Manufacturers tie up cash in machinery, raw materials, and work-in-progress long before a finished order ships and gets paid. The right funding lets you accept bigger purchase orders without starving day-to-day operations.
What manufacturers use funding for
- Production machinery, CNC, and automation ($25K–$500K+)
- Raw materials and inventory for large orders
- Payroll across long production cycles
- Fulfilling purchase orders before customer payment
- Facility upgrades and capacity expansion
How much can you borrow?
Manufacturers typically borrow $25,000 to $1,000,000. Machinery suits equipment financing; purchase-order and receivable gaps suit PO financing, A/R financing, or a line of credit.
The cash-flow challenge for manufacturers
Between buying materials and collecting on a shipped order, weeks or months can pass — and a large new customer can require more working capital than you have on hand. Machinery is expensive, and idle capacity is lost margin.
Tip: Match the funding term to your production-and-collection cycle so payments line up with the cash the order generates.
Best financing options
Machinery fits equipment financing, with the equipment as collateral. To fund materials and payroll on big orders, A/R financing or a line of credit bridges the gap; expansion suits a term loan.
Before you sign any offer, run the numbers through our business loan & MCA calculator to see the real APR and total payback.
Fund your manufacturing business
Machinery, materials, or expansion — funding matched to your production cycle.
Check My Funding OptionsFrequently asked questions
How do manufacturers finance large purchase orders?
PO financing and A/R financing cover the materials and labor to fulfill a big order, then get repaid when the customer pays — so growth doesn't drain your cash.
Can I finance used production machinery?
Yes — used CNC and production equipment can be financed, with the machinery serving as collateral, though terms may be shorter than for new equipment.