Working Capital · Semiconductor & Microelectronics
Working Capital for Semiconductor & Microelectronics shops
Cover the gap between orders and cash. We match semiconductor & microelectronics 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 semiconductor & microelectronics shops choose working capital
You're not buying off-the-shelf gear. A wafer prober, wire bonder, reflow oven, or automated optical inspection line can run six or seven figures and take months to arrive, and it has to be qualified and running before a single unit ships to an OEM or defense prime.
Once product ships, you're often waiting on a large OEM's 45- to 90-day payment terms, or holding through a defense contract's progress milestones, while your own raw materials — substrates, wafers, connectors, rare-earth components — got paid for on delivery. ITAR and AS9100 requirements add compliance overhead but rarely speed up collections.
Working Capital is one of the most direct ways to close that gap. Short-term capital to bridge payroll, materials, and growth spikes.
What semiconductor & microelectronics 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 semiconductor & microelectronics
- Long lead times (months) on wafer probers, wire bonders, pick-and-place, and test equipment
- OEM and defense prime customers on 45–90 day payment terms with milestone billing
- ITAR and AS9100 compliance costs layered on top of capital equipment spend
- Cleanroom buildout and qualification costs paid well before revenue-generating production
- Raw material costs (substrates, wafers, rare-earth and specialty components) paid up front while receivables age
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 semiconductor & microelectronics shops only
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Frequently Asked Questions
Yes — working capital is one of the programs we most commonly place for semiconductor & microelectronics 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: Semiconductor & Microelectronics.
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. Equipment financing covers wafer probers, wire bonders, pick-and-place, reflow ovens, automated optical inspection, and cleanroom infrastructure, typically over 36–84 months depending on the equipment's useful life.
No. Lenders experienced with defense and aerospace supply chains work with ITAR-registered and AS9100-certified manufacturers regularly. The controls affect compliance paperwork, not eligibility for equipment financing or factoring.
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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