Working Capital · Industrial Machinery & Equipment
Working Capital for Industrial Machinery & Equipment shops
Cover the gap between orders and cash. We match industrial machinery & equipment manufacturers with the working capital structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.
Why industrial machinery & equipment shops choose working capital
You quote a six- or nine-month build, take a deposit, and immediately start writing checks — steel, castings, servo motors, PLCs, hydraulics, machined parts from the vendor across town. Progress payments help, but they never quite line up with when your suppliers want to be paid.
Then the machine ships, runs FAT, and your customer still holds retainage for another 30–60 days after acceptance. Meanwhile the next unit is already on the floor and you're doing it all again.
Working Capital is one of the most direct ways to close that gap. Short-term capital to bridge payroll, materials, and growth spikes.
What industrial machinery & equipment shops get
- Fast decisions with minimal paperwork
- Uses vary: payroll, materials, repairs, marketing, buyouts
- No equity given up
How it works
- 1Submit a quick app so we can identify the right program.
- 2Provide bank statements and basic financials.
- 3Receive offers with terms and pricing—choose what fits.
- 4Funds land in your operating account.
Cash-flow realities we see in industrial machinery & equipment
- Long build cycles between deposit and final payment
- Milestone and progress billing that lags supplier terms
- Retainage held 30–60+ days after acceptance and FAT
- Large sub-assembly and long-lead component POs (motors, drives, castings, controls)
- Own-shop capex — CNC, waterjet, welding, paint booth — to keep up with backlog
Get referred for working capital
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 industrial machinery & equipment shops only
Other programs that fit industrial machinery & equipment
Invoice Factoring for Industrial Machinery & Equipment
Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.
Explore Invoice Factoring for Industrial Machinery & EquipmentPurchase Order Financing for Industrial Machinery & Equipment
Get the capital to fulfill large customer orders without straining cash flow.
Explore Purchase Order Financing for Industrial Machinery & EquipmentEquipment Financing for Industrial Machinery & Equipment
Finance new or used machinery, CNC, robotics, and production lines.
Explore Equipment Financing for Industrial Machinery & EquipmentWorking Capital for other manufacturing niches
Frequently Asked Questions
Yes — working capital is one of the programs we most commonly place for industrial machinery & equipment shops. Manufacturers who need fast, flexible short-term capital to smooth cash flow or fund a specific opportunity. Full mechanics: the Working Capital program page. Sector overview: Industrial Machinery & Equipment.
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. Progress and milestone invoices factor well when the billing terms are clearly documented in the PO or contract. Factors experienced in capital equipment expect milestone billing and structure advances around it.
Retainage — commonly 5–10% held until acceptance — is typically excluded from the factored advance and released once the customer pays. It's a normal structure and doesn't kill the deal.
Amounts depend on revenue, time in business, and cash flow. Many manufacturers qualify for lines that scale with their monthly deposits.
- Facilities typically range from $25K to $5M.
- Approval leans on monthly revenue and bank activity more than collateral.
- Lines often scale with your average monthly deposits.
- Most programs want at least 6 months in business.
- If you invoice other businesses on terms, compare against invoice factoring.
- Score your readiness to see what size line your revenue supports.
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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