Manufacturing Business Line of Credit

Manufacturing companies live with big swings in cash flow. Raw materials must be purchased in bulk, production runs have to be scheduled, and payroll never stops, even when customers are slow to pay. A dedicated manufacturing business line of credit gives you flexible access to working capital so you can keep machines running, orders moving, and suppliers paid on time. Whether you operate a small shop or a larger facility, steady funding helps you stay ahead of demand instead of reacting to shortfalls.

Manufacturing Business Line of Credit

Our programs are built specifically for factories, workshops, and industrial producers that need reliable working capital. With an approved LOC manufacturing facility, you can use funds for raw materials, components, maintenance, freight, energy costs, or new contracts without starting a new loan each time. Interest is charged only on what you actually draw, which helps protect margins on each production run.

Whether you supply OEM parts, consumer products, packaging, or specialty components, we can tailor a facility that matches your order volume and seasonality. If you need a manufacturing credit line today to fulfill a large purchase order or keep a key project on schedule, we focus on a straightforward application and fast decisions so production never has to slow down.

Minimum Requirements for Manufacturing Funding

To qualify for a manufacturing business line of credit, most applicants should meet these basic criteria:

Minimum Revenue	$10,000 / month
Length in Business	5 months or more
Ownership %	Minimum of 51% Ownership
Personal Credit	US FICO 500+

Types of Manufacturing Credit Solutions

Core Manufacturing Line of Credit

This revolving facility supports everyday plant needs: raw materials, consumables, utilities, and payroll. It functions as a flexible manufacturing line of credit you can draw from, repay, and reuse as production cycles repeat.Phoenix business loans offer a range of financing options to help local businesses thrive. Whether you’re a startup or an established company, we provide the funding needed for growth, equipment, or working capital.

Purchase Order and Inventory LOC

When large or seasonal orders arrive, you may need extra materials and inventory before you see a single payment. A purchase-order–focused manufacturing business line of credit helps you carry those costs until customers pay.

Equipment and Maintenance Credit Facility

Unexpected breakdowns or planned upgrades can be expensive. This form of LOC manufacturing spreads the cost of repairs, tooling, and mid-sized equipment over time so you can keep operations running without draining cash reserves.

Expansion and Capacity Increase Credit

Use this option when you are adding new lines, extending shifts, or entering new markets. It supports hiring, training, and setup costs so you can scale output while revenue ramps up.

Credit Programs for Manufacturers with Imperfect Credit

If your credit history has a few issues, you may still be able to access a smaller manufacturing credit line today, based more on current sales and contracts. As you use the facility responsibly and make on-time payments, you can work toward higher limits.

Manufacturing Credit Services

Manufacturing companies balance tight deadlines, complex supply chains, and pricing pressure from every side. Our manufacturing credit services are designed to give you dependable funding so you can focus on throughput and quality. From small custom shops to larger production plants, we help you secure working capital that fits your real-world operating rhythm.

The process is straightforward: submit a brief application and supporting financials, then our team reviews your performance and sets a line amount that makes sense for your scale. Once your manufacturing business line of credit is active, you can draw funds to cover material purchases, rush orders, maintenance, or staffing needs, and then repay as invoices clear. With clear terms, competitive pricing, and flexible repayment options, you stay in control of cash flow while your machines stay busy.

Who We Serve

Frequently Asked Questions

What is the process for getting a manufacturing business line of credit?

You begin with a short application that outlines your company, production focus, and monthly revenue. After providing recent bank statements, financials, and sometimes key customer information, we review your file and assign an appropriate limit. Once approved, your manufacturing business line of credit is opened, and you can start drawing funds for materials, payroll, and other production costs.

What are the repayment terms for a manufacturing line of credit?

Repayments are typically made each month and are based on the balance you have drawn, not the full limit. As you ship orders and collect payments, you pay down the line, and those dollars become available again. This lets your manufacturing line of credit support ongoing production cycles instead of just a single project.

Can I apply for a manufacturing credit line today if my credit score is low?

In many cases, yes. While personal credit is one factor, we also consider revenue trends, customer quality, and order history. You might start with a modest manufacturing credit line today and increase your limit over time as your payment history and financial profile strengthen.

What are the eligibility requirements for a manufacturing business line of credit?

Most programs require that you meet the minimum monthly revenue threshold, have at least several months of operating history, and own 51% or more of the business. You will also need a valid U.S. FICO score and standard business documentation so we can verify your information and set up the right LOC manufacturing facility for your needs.

Manufacturing Business Line of Credit