Is working capital a good fit for shipbuilding & marine manufacturing?

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

How fast can a shipbuilding & marine manufacturing 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 I have to give up equity?

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

Can a Jones Act shipyard finance work-in-process before a milestone payment?

Yes. Asset-based lending and working capital facilities can advance against work-in-process and progress billings so a yard isn't forced to slow production while waiting on milestone acceptance and payment.

Do lenders work with shipyards on Navy or Coast Guard subcontracts?

Yes. Lenders familiar with government contracting understand subcontract flow-down terms, progress payment clauses, and assignment of claims requirements common to Navy and Coast Guard vessel programs.

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.

Hull section under construction at a US shipyard

Working Capital · Shipbuilding & Marine Manufacturing

Working Capital for Shipbuilding & Marine Manufacturing shops

Cover the gap between orders and cash. We match shipbuilding & marine manufacturing 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 shipbuilding & marine manufacturing shops choose working capital

You've got steel cut, hull sections welded, and a crew on the floor months before the next milestone payment hits your account. Whether you're building for the Navy, the Coast Guard, a commercial towing company, or a recreational boat brand, the contract structure is the same problem: big value delivered, payment tied to inspection and milestone sign-off.

That gap between labor and material spend and milestone payment is where yards run out of runway, especially smaller Jones Act shipyards and marine subcontractors competing against primes with deeper balance sheets.

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

What shipbuilding & marine manufacturing 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 shipbuilding & marine manufacturing

Progress billing and milestone payments that lag far behind labor and material spend
Navy, Coast Guard, and commercial fleet contracts with 60–120 day payment cycles after milestone acceptance
Steel, aluminum, and marine coating cost volatility on multi-year build contracts
Subcontractor and vendor payments due well before the prime contractor releases funds
High working capital needs to carry payroll through long build and inspection cycles

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 shipbuilding & marine manufacturing shops only

Quick app for shipbuilding & marine manufacturing

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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Other programs that fit shipbuilding & marine manufacturing

Asset-Based Lending (ABL) for Shipbuilding & Marine Manufacturing

Revolving lines secured by receivables, inventory, and equipment.

Explore Asset-Based Lending (ABL) for Shipbuilding & Marine Manufacturing

SBA & Term Loans for Shipbuilding & Marine Manufacturing

Longer-term, lower-cost capital for growth, real estate, or acquisitions.

Explore SBA & Term Loans for Shipbuilding & Marine Manufacturing

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.