SBA & Term Loans · Shipbuilding & Marine Manufacturing
SBA & Term Loans for Shipbuilding & Marine Manufacturing shops
Bigger projects. Longer terms. We match shipbuilding & marine manufacturing manufacturers with the sba & term loans structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.
Why shipbuilding & marine manufacturing shops choose sba & term loans
You've got steel cut, hull sections welded, and a crew on the floor months before the next milestone payment hits your account. Whether you're building for the Navy, the Coast Guard, a commercial towing company, or a recreational boat brand, the contract structure is the same problem: big value delivered, payment tied to inspection and milestone sign-off.
That gap between labor and material spend and milestone payment is where yards run out of runway, especially smaller Jones Act shipyards and marine subcontractors competing against primes with deeper balance sheets.
SBA & Term Loans is one of the most direct ways to close that gap. Longer-term, lower-cost capital for growth, real estate, or acquisitions.
What shipbuilding & marine manufacturing shops get
- Longer amortization (up to 10–25 years for real estate)
- Competitive rates for qualified borrowers
- Preserves cash for operations
How it works
- 1We help you pre-qualify and prepare a clean loan package.
- 2The package is referred to SBA-preferred or conventional lenders that fit your profile.
- 3Underwriting closes with a full doc set.
- 4Funds are disbursed per use of proceeds.
Cash-flow realities we see in shipbuilding & marine manufacturing
- Progress billing and milestone payments that lag far behind labor and material spend
- Navy, Coast Guard, and commercial fleet contracts with 60–120 day payment cycles after milestone acceptance
- Steel, aluminum, and marine coating cost volatility on multi-year build contracts
- Subcontractor and vendor payments due well before the prime contractor releases funds
- High working capital needs to carry payroll through long build and inspection cycles
Get referred for sba & term loans
Tell us the basics. We'll confirm the fit and tell you exactly what this program requires before you fill anything long.
- ✓ No application, origination, or closing fees
- ✓ No equity given up
- ✓ US-based shipbuilding & marine manufacturing shops only
Other programs that fit shipbuilding & marine manufacturing
Asset-Based Lending (ABL) for Shipbuilding & Marine Manufacturing
Revolving lines secured by receivables, inventory, and equipment.
Explore Asset-Based Lending (ABL) for Shipbuilding & Marine ManufacturingWorking Capital for Shipbuilding & Marine Manufacturing
Short-term capital to bridge payroll, materials, and growth spikes.
Explore Working Capital for Shipbuilding & Marine ManufacturingSBA & Term Loans for other manufacturing niches
Frequently Asked Questions
Yes — sba & term loans is one of the programs we most commonly place for shipbuilding & marine manufacturing shops. Established manufacturers financing acquisitions, real estate, expansion, or refinancing higher-cost debt. Full mechanics: the SBA & Term Loans program page. Sector overview: Shipbuilding & Marine Manufacturing.
It depends on the program. Factoring often funds within days of account setup; equipment and working capital usually run days to a couple of weeks; SBA and larger term loans take longer. We tell you the real timeline up front.
No. We are an independent business financing referral service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.
No. Every program we refer is non-dilutive. You keep 100% ownership of your shop.
Yes. Asset-based lending and working capital facilities can advance against work-in-process and progress billings so a yard isn't forced to slow production while waiting on milestone acceptance and payment.
Yes. Lenders familiar with government contracting understand subcontract flow-down terms, progress payment clauses, and assignment of claims requirements common to Navy and Coast Guard vessel programs.
SBA loans typically take 60–120 days from complete application to funding. We help you assemble a clean package up front to keep the timeline as short as possible.
Ready to keep production moving?
Start with a quick app or a phone call. We'll tell you exactly what the right program requires. At no charge.
Apply. Fund. Deliver. No obligation.
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