Is working capital a good fit for precision machining & machine shops?

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.

How fast can a precision machining & machine shops 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 precision machining & machine shops 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 a small CNC job shop qualify for factoring?

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.

Do factors work with aerospace and medical primes on long terms?

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.

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.

US precision machine shop with rows of CNC mills and a machinist inspecting a metal part

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.

Start a Quick App Call (844) 623-1234

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 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 precision machining & machine shops shops only

Quick app for precision machining & machine shops

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

Your name

Company

Phone (optional)

Adding a phone triggers a second consent checkbox for SMS & AI-assisted calls.

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 precision machining & machine shops

Invoice Factoring for Precision Machining & Machine Shops

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

Explore Invoice Factoring for Precision Machining & Machine Shops

Purchase 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 Shops

Equipment Financing for Precision Machining & Machine Shops

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

Explore Equipment Financing for Precision Machining & Machine Shops

Working Capital for other manufacturing niches

Working Capital for Food & Beverage Manufacturing Working Capital for Medical Device Manufacturing Working Capital for Metal Fabrication Working Capital for Plastics & Injection Molding

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.