Cash flow challenges every manufacturer faces
Raw material costs
Material prices change frequently, and larger orders require bigger upfront purchases.
Long payment cycles
Customers may pay on net-45 to net-90 terms.
Equipment maintenance
Machine downtime stops production and delays revenue.
Common uses of manufacturer funding
- Raw materials for large orders
- Machine repair and upgrades
- Payroll during production
- Supply chain and shipping costs
- Expanding production capacity
- Bridging customer payment terms
Why merchant cash advances fit Manufacturing
Manufacturers with steady deposits can access capital in days instead of waiting on bank credit approvals — helping them say yes to large orders.
Example: A small metal fabrication shop depositing $180,000 a month receives a $400,000 order requiring $90,000 in steel upfront. Working capital funding covers the materials. (Illustrative example only; actual offers depend on underwriting.)
Requirements for manufacturer funding
- 12+ months in business
- About $10K+ in monthly deposits
- Last 4 months of business bank statements
- All credit scores considered
Learn more about how a merchant cash advance works or check the full requirements.
How to apply
- Complete our online application (about 5 minutes).
- Upload your last 4 months of business bank statements.
- Our funding partner reviews your application and contacts you with options — funding can happen within 24 hours of approval.
Manufacturing funding FAQs
Can funding help me fill a large purchase order?
Yes. Many manufacturers use working capital to buy materials and cover payroll for large orders.
Is equipment used as collateral?
No. A merchant cash advance does not require equipment as collateral.