Manufacturing Invoice Factoring

Manufacturers often deliver product weeks or months before they are paid, creating a gap between shipping orders and receiving cash. Manufacturing invoice factoring converts those open invoices into immediate working capital so you can keep production running without waiting on slow-paying customers. Instead of tying up your cash in receivables, you unlock funds to cover raw materials, payroll, freight, and plant overhead.

Manufacturing Invoice Factoring

Our programs are built for the realities of the production floor and the supply chain. We understand volume spikes, seasonal demand, and large purchase orders that require you to buy materials long before you are paid. That’s why our manufacturing receivables factoring solutions look at the strength of your customer base and invoice quality, not just a perfect credit score.

Whether you operate a small job shop or a multi-plant operation, we structure invoice factoring for manufacturing companies to match your workflow. You can factor a single large invoice, a group of accounts, or set up an ongoing facility that grows with your sales. Transparent rates, straightforward agreements, and fast decision-making help you keep production schedules on track and take on new orders with confidence.

Minimum Requirements for Manufacturing Invoice Factoring

To qualify for manufacturing invoice factoring, most businesses should meet the following guidelines:

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

Types of Small Business Loans in Phoenix

Standard Manufacturing Invoice Factoring

This option provides an advance on approved invoices once product has shipped or services are complete. It’s ideal for manufacturers that sell to creditworthy customers on 30–90 day terms. You receive a large portion of the invoice value up front, with the remainder sent after the customer pays, giving you steady cash flow without taking on new debt.

Manufacturing Receivables Factoring Facility

A dedicated manufacturing receivables factoring line lets you factor invoices on an ongoing basis instead of one at a time. As you generate new invoices, you can submit them for funding and recycle capital back into materials, tooling, and labor. This structure works well for companies supplying parts, components, or finished goods to a consistent group of buyers.

Progress Billing & Milestone Factoring

Some manufacturing projects bill in stages engineering, prototyping, initial runs, and final delivery. Progress billing factoring allows you to receive advances at each milestone, not just at the end of the project. This helps you handle long production cycles and special projects without putting pressure on your cash reserves.

Supply Chain & Purchase Order Support

When large purchase orders arrive, you may need additional capital to buy inventory, secure raw materials, or ramp up staffing. Supply chain-focused factoring combines invoice factoring for manufacturing with purchase-order support so you can accept bigger contracts and negotiate better terms with suppliers while still maintaining healthy working capital.

Export & International Manufacturing Invoice Factoring

If you sell to overseas customers, export factoring helps manage currency risk and long payment timelines. We review the credit of your foreign buyers, advance funds on eligible international invoices, and handle collections in coordination with your team. This allows manufacturing companies to expand globally while keeping cash flow predictable.

Manufacturing Invoice Factoring Services

Every production environment is different. Some manufacturers manage short runs for many customers, while others fulfill long-term contracts for a few key accounts. Our manufacturing invoice factoring services are tailored to your sales cycle, customer mix, and industry segment—whether you serve automotive, aerospace, industrial equipment, consumer goods, or private-label brands.

The application process is streamlined with clear documentation requirements and quick responses. We prioritize relationships with both you and your customers, offering professional collections that protect your reputation. With competitive advance rates, flexible funding limits, and online reporting, you gain real-time visibility into your retail invoice finance factoring–style cash flow solution adapted to manufacturing. Use the additional liquidity to negotiate discounts with suppliers, shorten production lead times, or invest in efficiency upgrades on the shop floor.

Who We Serve

Frequently Asked Questions

What is the process for getting manufacturing invoice factoring?

You complete a short application, share basic business and receivables information, and we review your customer list. Once approved, you submit invoices, receive an advance, and we handle the collection of payment according to the agreed structure.

Instead of fixed monthly loan payments, fees are deducted from the invoice proceeds. When your customer pays, we forward the remaining balance to you. Pricing is transparent and tied to invoice volume and payment terms.

Yes. Factoring focuses heavily on the strength of your customers and the quality of your invoices. We do review personal credit, but many manufacturers with lower scores can still qualify based on solid receivables.

You should sell on terms to other businesses or government entities, have verifiable invoices, and meet the minimum revenue and time-in-business guidelines above. We will walk you through the details and let you know quickly if factoring is a good fit.

Apply for Invoice Factoring with Flowrise Funding