Capital for the floor, the line and the shipment.
Custom and contract manufacturers, machine shops, food production, printing, packaging, fabrication. We understand the working-capital cycle of a shop that has to buy material before it can invoice.
How the money
actually moves.
Manufacturing margins depend on utilization: a machine that runs pays for itself, a machine that waits on material does not. Capital here is usually about keeping the line running through a purchase-order cycle, or adding the capacity a signed order justifies.
Purchase-order and backlog underwriting is where a manufacturing file gets sized properly. Bring the signed order and the material quote, and the advance can be sized to the job with an early payoff at collection.
Three things it is
usually for.
Raw material against a signed PO
Order signed, material due up front, customer pays on delivery. Fund the material, retire the advance at collection.
A machine that pays for itself
Equipment financing through a licensed partner for the CNC or press, with the machine as collateral.
Weekly payroll, net-60 customer
A bridge across the gap between the shift and the invoice.
What your underwriter
reads first.
Specific to manufacturing files. The general read, six things every file gets, is on the how it works page.
- 01Purchase orders and contracts are read alongside the statements on larger files.
- 02We separate real revenue from transfers and from other advance proceeds before sizing.
- 03Existing factoring is cushion, not conflict.
What a workable
manufacturing file looks like.
These are shapes, not gates. The funder sets the floor, and we place the file where it fits or tell you plainly if it does not.
- Roughly a year or more in operation
- Revenue through a business bank account
- Any credit profile
Asked by
manufacturing owners.
Yes. Backlog underwriting is a core part of how we read a manufacturing file.
Yes. Equipment financing is a separate program with the machine as collateral.
Fine. We structure around it.