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Manufacturing Financing Options at a Glance
Manufacturers face a cash flow challenge built into the structure of the business: raw materials and labor costs hit before the product ships, and payment terms from distributors and commercial buyers can stretch 30, 60, or 90 days after delivery. The right financing depends on whether you need to bridge that gap, invest in equipment, or fund a large production run.
|
Loan Type |
Best For |
Repayment Term |
Min. Credit Score |
|---|---|---|---|
|
Equipment upgrades, facility expansion, large capital investments |
6-48 months |
500 |
|
|
Raw materials, payroll, recurring production costs |
Revolving |
500 |
|
|
CNC machines, industrial equipment, production line upgrades |
2-5 years |
500 |
|
|
Unlocking cash from net-30/60/90 commercial invoices |
Per invoice |
N/A |
|
|
Covering operating costs between production runs and customer payments |
3-24 months |
500 |
All products subject to approval. Rates and terms vary based on your business profile.
How Manufacturing Business Financing Works
Manufacturing is one of the most capital-intensive industries in small business — not because manufacturers aren’t profitable, but because of how far upstream costs come relative to when revenue arrives. You purchase raw materials weeks before production begins. You run the line, pay your team, and ship the finished product. Then you wait. Commercial buyers and distributors pay on net-30, net-60, or net-90 terms, which means the cash cycle for a single order can stretch three to four months from first material purchase to final payment. During that entire window, your fixed costs — payroll, utilities, lease, equipment maintenance — continue without interruption.
Think about what that looks like in practice: it’s mid-October. You landed a significant purchase order from a regional distributor in September — your largest order of the year. You purchased the raw materials, ran the production line for three weeks, and shipped the order on time. Payment terms are net-60, so the check arrives in late November. Meanwhile, it’s now mid-October. Payroll is due Friday. Your machine shop lease is due the first. A CNC machine has been running rough and needs a service call. The revenue is real and confirmed. It’s just not here yet.
SBG Funding offers financing built around how manufacturers actually operate. A business line of credit gives your operation revolving access to working capital — draw what you need to cover raw materials and payroll at the start of a production run, repay it when the customer pays, and draw again on the next order. A business term loan provides a lump sum for larger capital investments — a new piece of production equipment, a facility upgrade, or the capacity expansion needed to take on larger contracts. Equipment financing lets you acquire CNC machines, industrial presses, and production line equipment without tying up the working capital you need to keep current orders moving. Amounts from $5,000 to $1,000,000 — with same-day decisions.
Unlike traditional bank loans, SBG Funding does not require collateral, does not perform a hard credit pull, and does not require weeks of underwriting. Most manufacturing loan applications are reviewed the same business day they’re submitted.
Why Manufacturers Choose SBG Funding Over a Bank
Traditional banks weren’t designed for the long cash conversion cycles and capital-intensive reality of manufacturing. SBG Funding was built for it.
SBG Funding
Traditional Bank
Manufacturing Financing for Every Situation
The right financing depends on what your operation needs right now.
Funding a Production Run Before Payment Arrives
Purchase orders confirm revenue — but they don’t pay your material suppliers or your production team. A business line of credit gives your facility revolving access to working capital to purchase raw materials, cover payroll during the production run, and bridge the gap to customer payment — without disrupting your next order cycle.
Upgrading or Replacing Production Equipment
Aging machinery slows throughput, increases scrap rates, and creates maintenance costs that compound over time. Equipment financing and business term loans let you acquire CNC machines, industrial presses, conveyor systems, and production line upgrades without a large upfront cash outlay — with repayment structured around your revenue cycle.
Taking On a Large Purchase Order or New Contract
Landing a significant new contract or purchase order is a growth event — but fulfilling it requires capital for materials, additional labor, and sometimes temporary capacity expansion. A business term loan or invoice financing provides the working capital to execute on the opportunity without straining your existing production lines or missing delivery deadlines.
What Manufacturing Businesses Use Loans For
Manufacturing financing is flexible. Here are the most common ways manufacturers put it to work.
Raw Materials and Inventory
Materials must be purchased and on-hand before production begins — often weeks before any revenue arrives. A business line of credit gives you the capital to purchase inventory at the start of each production cycle without waiting on prior order payments.
Production Payroll
Skilled machinists, assemblers, quality control staff, and floor supervisors expect consistent pay regardless of where a customer’s net-60 invoice stands. Business financing ensures payroll is never the constraint on your production schedule.
Equipment Purchases and Upgrades
CNC machines, industrial presses, laser cutters, and automated assembly equipment are among the largest capital investments a manufacturer makes. Equipment financing lets you modernize your production line without a cash flow disruption.
Large Purchase Order Fulfillment
A significant purchase order is only valuable if you can fulfill it. Working capital financing covers the material, labor, and overhead costs of executing a large order — so you can say yes to growth without straining your operating account.
Bridging Net-30/60/90 Payment Terms
Commercial buyers pay on their terms, not yours. Invoice financing unlocks the value of outstanding invoices immediately — so you’re not personally financing your customers’ extended payment schedules while your next production run waits.
Facility Expansion
Adding production capacity — whether through a larger facility, additional equipment, or a second shift — requires upfront capital before the new revenue materializes. A business term loan funds your expansion without depleting the working capital your current operations depend on.
All You Need to Qualify
$250K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
No collateral. No hard credit pull. No upfront fees.
SBG Funding evaluates more than 50 factors when making lending decisions — including revenue history, deposit consistency, and time in business. Manufacturing businesses with strong cash flow may qualify even with an imperfect credit score.
What Manufacturing Business Owners Are Saying
Real manufacturers. Real results.
★★★★★
“I really needed the money for my productions and William reached out to me much faster than any other funding company. I had a good conversation with him on the first call. I felt really comfortable and had no worries getting funded. SBG Funding did the work very promptly and handled in a professional way, just about the time I really needed for my production money.”
Tina C. from California
via Trustpilot
★★★★★
I had a great experience working with SBG Funding for my business financing. From start to finish, they walked me through the entire process and made sure I understood every step. What really stood out were their transparency and professionalism. There were no surprises just clear communication and honest guidance.
Bruce V. from Virginia
via Better Business Bureau
Just 3 Steps to Get Funded
01
Apply Online
Complete our quick online application in about 5 minutes. Basic information about your business and financing needs — no lengthy paperwork to get started.
02
Get Your Options
Our team reviews your application and presents loan options matched to your business profile. We look at revenue, deposit history, and time in business — not just your credit score.
03
Receive Your Funds
Once approved and documents are signed, funds can be in your business bank account in as little as 24 hours.
Frequently Asked Questions
-
Can I get a manufacturing business loan with bad credit?
SBG Funding requires a minimum FICO score of 500. Credit score is one factor among many — strong revenue, consistent bank deposits, and solid time in business can all support your application. Many manufacturers with scores between 500 and 620 have qualified based on strong order volume and deposit history.
-
How quickly can I get funded?
After approval and document submission, funds can be available in as little as 24 hours. The online application takes about 5 minutes, and most applicants receive a decision the same business day.
-
Do I need collateral for a manufacturing business loan?
No. SBG Funding’s manufacturing business loans are unsecured — you are not required to pledge equipment, inventory, real estate, or other assets. Equipment financing is an exception: the equipment itself serves as collateral, which is standard across the industry.
-
What types of manufacturing businesses qualify?
SBG Funding works with a wide range of manufacturers — including custom fabrication shops, food and beverage producers, plastics and rubber manufacturers, metal fabricators, woodworking and furniture makers, electronics assemblers, apparel manufacturers, and industrial equipment producers. As long as your business meets the basic requirements — 6+ months in operation, $250K+ annual revenue, 500+ FICO — your production type does not affect eligibility.
-
Can I use a manufacturing loan to purchase raw materials or inventory?
Yes. Purchasing raw materials and production inventory is one of the most common uses of manufacturing business financing. A business line of credit is particularly well-suited — it gives you revolving access to capital at the start of each production cycle, which you repay as customer payments arrive.
-
Can I use invoice financing if my customers pay on net-30, 60, or 90 terms?
Yes. Invoice financing is designed precisely for this situation. Rather than waiting 30–90 days for a commercial buyer or distributor to pay, invoice financing unlocks the value of your outstanding invoices immediately. This is especially valuable when you have a new production run starting before the last one has been paid for.
-
Can I use a manufacturing loan to purchase or upgrade production equipment?
Yes. Both business term loans and dedicated equipment financing can be used to acquire or upgrade production equipment — including CNC machines, industrial presses, injection molding equipment, laser cutters, conveyor systems, and quality control instrumentation. Equipment financing often provides longer repayment terms for larger purchases.
-
Can I get financing to fulfill a large purchase order?
Yes. Purchase order financing situations are common for manufacturers. A working capital loan or business line of credit can be funded quickly enough to cover material and labor costs for a new contract before your operating account can absorb them. Same-day decisions mean you don’t have to delay accepting an order while waiting on financing approval.
-
Can I get a manufacturing loan if my revenue is tied to a small number of large clients?
Your practice must have been in operation for at least 6 months to qualify for most SBG Funding programs. If you opened recently, we recommend applying once you’ve reached the 6-month threshold with consistent monthly revenue. Practices with strong early deposit history and high patient volume may qualify at or shortly after the 6-month mark — contact us to discuss your situation.
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How is SBG Funding different from a bank?
The primary differences are speed, flexibility, and qualification criteria. Banks typically require 2–8 weeks for approval, collateral, a hard credit pull, and often a FICO score above 680. SBG Funding makes same-day decisions, requires no collateral, performs no hard credit inquiry, and accepts FICO scores of 500+. We evaluate more than 50 factors — including your revenue history and deposit patterns — rather than relying primarily on credit score.
-
What documents do I need to apply?
To get started, you need your 4 most recent business bank statements. For larger loan amounts, we may also request business tax returns or additional financial documentation. No lengthy business plan or audited financials are required to begin the process.
-
Can I apply for additional financing if I already have a loan with SBG Funding?
Yes. Many SBG Funding clients renew or expand their financing as their business grows. If you have an existing loan in good standing, you may be eligible to apply for additional financing. Contact your funding specialist to discuss your options.
Ready to Keep Your Production Line Running?
Whether you need to fund a production run before customer payments arrive, upgrade equipment to increase capacity, or bridge a net-60 invoice gap, SBG Funding has manufacturing financing options built for how production businesses actually operate. Apply online in minutes — no collateral, no hard credit pull, no obligation.