Is working capital a good fit for metal fabrication?

Yes — working capital is one of the programs we most commonly place for metal fabrication shops. Manufacturers who need fast, flexible short-term capital to smooth cash flow or fund a specific opportunity.

How fast can a metal fabrication shop get funded?

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.

Do you charge metal fabrication manufacturers any fees?

No. We are a business consulting service and are not paid by you. Our funding partners compensate us only after a referred manufacturer actually receives their funds.

Do I have to give up equity?

No. Every program we place is non-dilutive. You keep 100% ownership of your shop.

Can I finance a used CNC or press brake?

Yes. Used equipment financing is common in metal fab. Age and condition of the machine affect the rate and term, but partners will finance both dealer purchases and private-party deals, including auction buys with an invoice.

How does factoring work for a job shop with lots of small POs?

Job shops actually fit factoring well. Even small invoices can be factored in batch — often 85–92% advance within a day of invoice submission. The line grows automatically as you invoice more; there's no fixed cap.

How much can I qualify for?

Amounts depend on revenue, time in business, and cash flow. Many manufacturers qualify for lines that scale with their monthly deposits.

CNC machining center and welder in a US metal fabrication shop

Working Capital · Metal Fabrication

Working Capital for Metal Fabrication shops

Cover the gap between orders and cash. We match metal fabrication manufacturers with the working capital structure that fits how you actually run — no equity given up, no application, origination, or closing fees to you.

Start a Quick App Call (844) 623-1234

Why metal fabrication shops choose working capital

You bought the steel in cash. You paid the welders on Friday. You cut, formed, welded, and shipped it. And now you're staring at a net-60 invoice from a GC or a Tier-1 that won't hit your account until August.

That's not a business problem — that's a working capital problem, and it has a clean fix. Factoring turns those invoices into cash within days. Equipment financing puts the next press brake, laser, or CNC on the floor without draining the checking account.

Working Capital is one of the most direct ways to close that gap. Short-term capital to bridge payroll, materials, and growth spikes.

What metal fabrication 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 metal fabrication

Steel, aluminum, and stainless prices swinging quote-to-quote
GCs, OEMs, and Tier-1 suppliers on net-60 or net-90 terms
Capital-intensive CNC, laser, waterjet, and press brake purchases
Payroll for skilled welders, machinists, and programmers that can't slip
Progress-billed structural jobs where you're carrying the project

Get placed into 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 metal fabrication shops only

Quick app for metal fabrication

Takes about 30 seconds. We'll match you with the right funding partner — no obligation.

Your name

Company

Phone (optional)

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What are you looking to do?

How much do you need?

How soon?

Anything else we should know? (optional)

Consent & disclosures (required — click to review)

Required — Contact & privacy consent. I give Manufactor Finance permission to contact me about my inquiry and, if it's a fit, to share my information with a vetted funding partner so they can help place my file. I've read and agree to the Privacy Policy and Terms of Use. See our Privacy Policy and Terms of Use.

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Manufactor Finance is a business consulting and referral service — not a bank, lender, private equity firm, or investor.

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Other programs that fit metal fabrication

Invoice Factoring for Metal Fabrication

Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.

Explore Invoice Factoring for Metal Fabrication

Equipment Financing for Metal Fabrication

Finance new or used machinery, CNC, robotics, and production lines.

Explore Equipment Financing for Metal Fabrication

Purchase Order Financing for Metal Fabrication

Get the capital to fulfill large customer orders without straining cash flow.

Explore Purchase Order Financing for Metal Fabrication

Working Capital for other manufacturing niches

Working Capital for Food & Beverage Manufacturing Working Capital for Medical Device Manufacturing Working Capital for Plastics & Injection Molding Working Capital for Aerospace & Defense Manufacturing

Frequently Asked Questions

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.

Start the Conversation Call (844) 623-1234

Apply. Fund. Deliver. — No obligation.

AI-assistedDepending on live availability, calls may be answered by Mary, our AI Assistant, who takes a message and books a callback. Or email us instead.