Working Capital · Textile & Apparel Manufacturing
Working Capital for Textile & Apparel Manufacturing shops
Cover the gap between orders and cash. Our team looks for a funding partner with a working capital structure that fits how you actually run. No equity given up, and no application, origination, or closing fees to you.
Why textile & apparel manufacturing shops choose working capital
You bought the fabric in March for a fall program that ships in July and gets paid in November. That's the apparel cash cycle in one sentence — and it's why so many good producers run out of cash right before their best quarter.
Retail buyers on net-60 or net-90, big-box POs with punishing on-time delivery windows, seasonal ramps that need working capital months before invoicing, and cut-and-sew payroll that doesn't wait — you know the terrain.
Working Capital is one of the most direct ways to close that gap. Short-term capital to bridge payroll, materials, and growth spikes.
What textile & apparel 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 inquiry 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 textile & apparel manufacturing
- Seasonal buys of fabric, trim, dye, and finish months ahead of shipping
- Big-box, department store, and e-commerce customers on net-60 to net-90
- Big-box POs with tight on-time-in-full delivery windows and chargeback risk
- Cut-and-sew payroll during peak production
- Overseas mill deposits and letters of credit for imported fabric
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 textile & apparel manufacturing shops only
Other programs that fit textile & apparel manufacturing
Purchase Order Financing for Textile & Apparel Manufacturing
Get the capital to fulfill large customer orders without straining cash flow
Explore Purchase Order Financing for Textile & Apparel ManufacturingInvoice Factoring for Textile & Apparel Manufacturing
Explore turning unpaid invoices into working capital instead of waiting on net-60 or net-90
Explore Invoice Factoring for Textile & Apparel ManufacturingWorking Capital for other manufacturing niches
Frequently Asked Questions
Yes — working capital is one of the programs we most commonly place for textile & apparel manufacturing 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: Textile & Apparel Manufacturing.
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. In most states, funding partners pay us when an account funds or activates; in California and Missouri they instead pay a fixed fee per inquiry, whether or not you are funded. Either way, you pay us nothing.
No. Every program we refer is non-dilutive. You keep 100% ownership of your shop.
Yes. Big-box and major e-commerce retailers are core factoring buyers. Apparel-experienced factors handle their EDI, ASN, routing, and chargeback processes as a matter of course.
PO financing can open letters of credit for overseas mills and CMT (cut-make-trim) contractors, then convert to factoring once the goods ship domestically and invoices are issued.
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 inquiry 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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