Your production line doesn’t stop. Your cash flow can’t either.
Get $5,000–$10,000,000 to purchase raw materials, fund production runs, upgrade equipment, and keep your facility operating without interruption, funded in as little as 24 hours.
Simple, fast, and clear
How Manufacturing Business Financing Works
Manufacturing is capital-intensive not because manufacturers aren’t profitable, but because costs land far upstream of revenue. You buy raw materials weeks before production begins, run the line, pay your team, ship, and then wait. Commercial buyers and distributors pay on net-30, net-60, or net-90 terms, so the cash cycle for a single order can stretch three to four months from first material purchase to final payment, while payroll, utilities, lease and equipment maintenance never pause. In practice: in September you landed the largest purchase order of the year from a regional distributor, bought the materials, ran the line for three weeks, and shipped on time. Payment terms are net-60, so the check arrives in late November. It is now mid-October. Payroll is due Friday, the machine shop lease is due the first, and a CNC machine needs a service call. The revenue is real and confirmed. It just isn’t here yet. SBG Funding provides $5,000 to $10,000,000, with same-day decisions.
SBG Funding structures financing around how manufacturers actually operate. A business line of credit revolves: draw to cover raw materials and payroll at the start of a production run, repay when the customer pays, and draw again on the next order. A business term loan is a lump sum for larger capital investments, such as a new production machine, a facility upgrade, or the capacity to take on bigger contracts. Equipment financing acquires CNC machines, industrial presses and line equipment without tying up the working capital that keeps current orders moving.
A bank underwrites against two years of filed financials and a 680 credit score, which is why a profitable shop waiting on a net-60 check can still be declined. Banks are not built to underwrite against revenue that arrives unevenly, or months after the work is done, which means the businesses under the most cash flow pressure are the ones a bank is slowest to serve. SBG Funding’s unsecured products require no collateral and we never perform a hard credit pull.
See How We Stack Up
Traditional Bank
Typical Online Lender
Won't affect your credit score.
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.
All you need to Qualify
- 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.
Applying will not impact your credit score.
$150K+
annual revenue
500+
min. FICO score
6+
months in business
4
bank statements
Applying will not impact your credit score.
“From start to finish, his service was exceptionally speedy and seamless. He was transparent throughout the entire process, ensuring we understood every step.”
$3B+
Funded since 2017
via Trustpilot
Jered Berkey made this process SEAMLESS!!!!!! He was extremely patient with my busy schedule, never pressured me into things that I didn’t need, and was VERY professional from the start. I highly recommend using SBG Funding, and contact Jered!!!!!
4.9
Trustpilot rating
5×
Inc. 5000 honoree
via Better Business Bureau
He was able to quickly get me the financing that I need to continue to grow my business. I wouldn’t hesitate to recommend SBG for quick funding.
85%
Approval rate
via Trustpilot
I really needed the money for my productions, and William reached out to me faster than any other funding company. I had a good conversation with him on the first call, and I felt really comfortable and had no worries about getting funded. You did the work very promptly and handled it in a professional way, just when I really needed my production money. Thank you all.
A
BBB rating
via Better Business Bureau
Highly recommend! Quick response, quick results, and excellent service from start to finish.
4.9
Google rating
via Better Business Bureau
Appreciate Renata’s professionalism and responsiveness. Explained everything well and addressed all my questions with patience and great attitude. Happy with my experience.
Just 3 Steps to Get Funded
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.
Get Approved
Our team reviews your application and presents financing options matched to your business profile. We look at revenue, deposit history, and time in business, not just your credit score.
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
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.
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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.
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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.
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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 of 6+ months in operation, $150K+ annual revenue and 500+ FICO, your production type does not affect eligibility.
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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.
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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.
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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.
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Yes. Purchase order financing situations are common for manufacturers. Working capital 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.
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Yes, client concentration is a common manufacturing pattern, particularly for contract manufacturers, suppliers to major OEMs, and businesses serving institutional or government customers. SBG Funding evaluates your overall revenue history and deposit consistency, not the number of distinct clients. If your top one to three customers represent 60% or more of revenue but your deposits arrive consistently and your business has been operating for 6+ months at $150K+ annual revenue, you typically qualify. Invoice financing can also be a strong fit for client-concentrated manufacturers. It lets you unlock cash from outstanding invoices to specific large clients without waiting 30 to 90 days for payment to clear.
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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.