Manufacturing Business Loans

Running a manufacturing operation means juggling raw materials, payroll, production schedules, and equipment costs, often all at once. Cash flow gaps can slow orders, delay shipments, and strain relationships with suppliers. That is where our manufacturing business loans come in. We help you get the working capital you need to keep lines running, fulfill larger contracts, and respond quickly when demand spikes.

Why Manufacturers Turn to Business Loans

Manufacturing businesses rarely have the luxury of waiting months for traditional bank approvals. You have supplier deadlines, customer orders, and machines that cannot sit idle. Our manufacturing business loans are designed around that reality, giving you quick access to capital with clear, predictable terms.

You can use a business loan for manufacturers to cover raw material purchases, invest in new technology, expand your facility, or bridge the gap between invoicing and payment. We look at the strength of your business, not just a credit score, and help structure funding that supports growth instead of holding it back. If you need to get loan for manufacturers without jumping through endless hoops, our online application and responsive team make it simple.

Minimum Requirements for Manufacturing Business Funding

To qualify for a manufacturing business loan, you 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 Business Loan Options

Working Capital Manufacturing Loans

These loans provide day-to-day cash for expenses like materials, payroll, and utilities. They are ideal when you need to ramp up production for a big order or manage slower payment cycles from buyers.

Equipment & Machinery Financing

Upgrade outdated machines, add new production lines, or replace critical equipment without draining your cash reserves. The equipment often secures the loan, helping you access higher amounts with manageable payments.

Business Line of Credit for Manufacturers

A revolving line of credit lets you draw funds when you need them and repay as cash comes in. It is useful for covering short-term needs such as bulk material buys, rush jobs, or emergency repairs.

Purchase Order & Invoice Financing

If you have strong purchase orders or unpaid invoices, this option turns them into immediate working capital. It helps you fulfill large contracts and manage long payment terms from distributors or big-box retailers.

Merchant Cash Advance for Manufacturers

For manufacturers with steady card or bank deposits, a merchant cash advance provides quick funding in exchange for a portion of future receipts. It is a flexible solution when you need money fast and do not want traditional loan structures.

Manufacturing Loan Services

We understand that every production facility operates differently. Some focus on custom jobs, others on high-volume runs, and many juggle both. Our manufacturing loan services are tailored to these realities, providing funding that can adjust as your order book changes.

Whether you run a small fabrication shop or a multi-shift plant, we help you secure capital for inventory, staffing, technology, and facility improvements. The application process is straightforward, documentation is kept practical, and decisions are made quickly so you can keep your delivery promises.

From short-term cash needs to longer-term growth projects, our goal is to provide manufacturing business loans that support stability, efficiency, and expansion.

Who We Serve

Frequently Asked Questions

What is the process for getting a manufacturing business loan?

Start by completing our simple online application with basic business details and recent bank statements. Our team reviews your information, discusses available options, and, once approved, funds can often be issued in a few business days.

What are the repayment terms for a manufacturing business loan?

Repayment terms vary based on the product and amount you choose. Options may include daily, weekly, or monthly payments over several months or longer. We work with you to match payments to your cash flow so production is not disrupted.

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

Yes. While credit is considered, we also look at revenue, time in business, and overall performance. Many manufacturers with less-than-perfect credit still qualify for funding, especially if they have consistent sales and strong customer demand.

What are the eligibility requirements for manufacturing business loans?

Generally, you need to meet the minimum revenue, time-in-business, ownership, and credit guidelines listed above, and operate a legitimate U.S. manufacturing business. Additional documents, such as tax returns or financial statements, may be requested depending on the loan type and amount.