Working Capital · Precision Machining & Machine Shops
Working Capital for Precision Machining & Machine Shops shops
Cover the gap between orders and cash. We match precision machining & machine shops 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 precision machining & machine shops shops choose working capital
You're running CNC mills, lathes, Swiss turns, and grinders against OEM and tier-supplier POs. You buy bar stock, tooling, and inserts on your dime, run the parts, and ship to customers — aerospace, medical, automotive, defense — who pay 45, 60, sometimes 90 days later.
It's a job-shop cash cycle: every new PO is a material buy and a tooling spend before the first chip flies, and your biggest customers are often the slowest payers. One aerospace or medical prime can dominate your book for a quarter.
Working Capital is one of the most direct ways to close that gap. Short-term capital to bridge payroll, materials, and growth spikes.
What precision machining & machine shops 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 precision machining & machine shops
- OEM and tier-supplier customers on net-30 to net-90 terms
- Bar stock, tooling, and insert pre-buys for every new job
- Customer concentration in one aerospace, medical, or automotive prime
- Long-cycle jobs with milestone billing and retainage
- Equipment capex for mills, lathes, grinders, and machining centers
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 precision machining & machine shops shops only
Other programs that fit precision machining & machine shops
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Turn unpaid invoices into cash today—stop waiting on net-60 or net-90.
Explore Invoice Factoring for Precision Machining & Machine ShopsPurchase Order Financing for Precision Machining & Machine Shops
Get the capital to fulfill large customer orders without straining cash flow.
Explore Purchase Order Financing for Precision Machining & Machine ShopsEquipment Financing for Precision Machining & Machine Shops
Finance new or used machinery, CNC, robotics, and production lines.
Explore Equipment Financing for Precision Machining & Machine ShopsWorking Capital for other manufacturing niches
Frequently Asked Questions
Yes — working capital is one of the programs we most commonly place for precision machining & machine shops 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: Precision Machining & Machine Shops.
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. Advance rates depend on your customer's credit, not your shop size. A 10-spindle job shop invoicing a tier supplier or prime typically factors as cleanly as a large machining center.
Yes. Primes on net-60 to net-90 are common factoring customers — the factor underwrites the prime's credit and structures the advance around their payment cycle.
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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