Manufacturing Working Capital Nationwide for Production Businesses, $10K to $5M
💵 Financing Built for ManufacturersI’m Kevin Kermeen, a nationwide commercial loan broker, not a bank. Manufacturing working capital solves the hardest cash problem in small business: the order-to-cash gap. You buy raw materials and pay skilled labor now, then wait weeks or months to build, ship, invoice and finally collect on net-30, 60 or 90-day terms. The bigger the order, the bigger the cash hole before the payday. A working-capital line, a business line of credit, or invoice factoring bridges that gap so a slow-paying customer or a big new PO never starves your floor. I match you to lenders who fund the gap.
Manufacturing Working Capital for Every Part of the Cash Gap
Whether you’re fronting raw materials, making payroll through a long build, or waiting on a slow-paying customer, there’s a tool built for it. Here’s what manufacturing working capital commonly covers.
Raw Materials and Inventory
Front the steel, resin, components and stock you buy in bulk well before the finished goods ship and the invoice gets paid.
Payroll Through the Build
Pay skilled labor every week through a long production run, regardless of when the customer finally pays.
Invoice Factoring
Turn slow net-30, 60 and 90-day finished-goods invoices into cash now, underwritten on your customer’s credit, not just yours.
Fund a Big New PO
Land a purchase order bigger than your cash can fulfill? Working capital funds the materials and labor so the order grows you instead of breaking you.
Business Line of Credit
A revolving line for the seasonal and contract-to-contract swings, draw when you buy materials and repay as you collect.
Bridge a Cash Crunch
Cover a temporary shortfall, a late payment, a cost spike or an unexpected gap, fast operating cash to keep the floor running.
A Manufacturer Landed a $2M PO It Could Not Afford to Fulfill, Until We Funded the Gap
A manufacturer won the biggest purchase order of its life, but to fulfill it the shop had to buy six figures of raw materials and run payroll for months before the customer would pay on net-60 terms. The order that should have been a breakthrough was about to break the business, and the bank moved too slow.
They called me. I matched them to a working-capital line plus invoice factoring, funding the materials and payroll up front and advancing cash against the finished-goods invoices as they shipped, underwritten on the customer’s strong credit. The order got fulfilled, the customer paid, and the breakthrough actually grew the business instead of sinking it.
That’s what the right working-capital match looks like. Don’t Beg the Bank! Get funded instead.
Manufacturing Working Capital, the Right Tool for Each Need
Manufacturing working capital isn’t one product. The right tool depends on whether you need a lump sum, a revolving line, or cash advanced against your invoices. I match you to the one that fits, tap any to explore it.
Working Capital Loans
A lump sum to fund materials, payroll and a big order, repaid over a set term as you collect.
See SBA 7(a)Invoice Factoring
Advance cash against slow finished-goods invoices, underwritten on your customer’s credit, not just yours.
See invoice factoringSBA 504 and Real Estate
Own the plant your floor runs in with long-term, fixed-rate commercial real estate financing.
See SBA 504Business Line of Credit
Revolving cash for the contract-to-contract swings, draw as you buy materials and repay as you collect.
See line of creditWorking Capital
Need a machine or the plant too? Equipment and conventional real estate financing are a click away.
See working capitalLine of Credit
Revolving capital for the contract-to-contract swings, draw only what you need.
See lines of creditQualifying for Manufacturing Working Capital
Working capital is about cash flow, not hard collateral, so lenders look at your revenue, your orders and, for factoring, the credit of the customers who owe you. A manufacturer with real orders and decent receivables has strong options even without pledging equipment or real estate. I qualify deals honestly.
✅ What helps you qualify
- ✔An operating manufacturing business with orders or revenue to fund against.
- ✔Real orders and receivables, the foundation a working-capital lender wants.
- ✔Real orders and receivables a lender can verify.
- ✔A down payment or contribution, which a parent or family member can help with.
💡 Straight talk
- →Working capital is underwritten on cash flow and orders, not just hard collateral.
- →Factoring is underwritten on your customer’s credit, so a big strong buyer helps you qualify.
- →Credit is flexible, there’s no single hard FICO floor; stronger credit means better terms.
- →A past bank rejection does not disqualify you; the deal and your credit matter more.
Get Your Manufacturing Working Capital Options
A quick, no-pressure pre-qualification. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your manufacturing working capital request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Manufacturing Working Capital From My Desk
A snapshot of the manufacturing working capital I match to lenders nationwide, order by order. Every cash cycle is different, yours starts with a conversation.
Manufacturing Working Capital · Big PO
A shop funded materials and payroll on a working-capital line plus factoring to fulfill a $2M purchase order.
Invoice Factoring
A manufacturer factored slow net-60 finished-goods invoices to make payroll without waiting on customers.
Line of Credit
A producer opened a revolving line to buy raw materials in bulk ahead of a seasonal production run.
How I Match Manufacturing Working Capital to the Right Lender
Cash-flow lenders each price and structure working capital differently, and factoring companies vary on which customers and industries they will fund. I work with many, so I match your manufacturing working capital to the lender most likely to fund your gap at the best terms, a term loan, a revolving line, or factoring, and I review the options with you before you commit.
Here’s the reality for a manufacturer. You operate one of the longest cash cycles in all of small business. You buy raw materials and pay skilled labor up front, then build, ship, invoice and wait, often 30, 60 or 90 days, before the customer pays. The bigger the order, the bigger the cash hole you carry before the payday arrives, which is why a breakthrough purchase order can actually break an underfunded shop. Working capital exists to close that gap. A working-capital loan gives you a lump sum to fund materials and payroll for a known project. A business line of credit gives you revolving cash you draw as you buy and repay as you collect, ideal for the contract-to-contract swings. And invoice factoring advances most of a finished-goods invoice the day you ship, underwritten substantially on your customer’s credit rather than your own, so a slow-paying but creditworthy buyer becomes immediate cash. According to the U.S. Small Business Administration, its 7(a) program also supports working capital when you want a government-backed route.
The right structure depends on what you’re doing. A lump-sum need usually runs through a SBA 7(a) loan, and broader options live across the SBA loan programs. A lump-sum need is best matched to a working capital loan, ongoing swings to a business line of credit, and slow invoices to invoice factoring on the customer’s credit. If you want to own the building, an SBA 504 loan or commercial real estate loan gives long-term, fixed-rate terms. Needing a machine points to manufacturing equipment financing, and the ramp-up months are covered by working capital loans or a business line of credit.
So tell me what your cash gap looks like, materials, payroll, a slow customer or a big new PO, and I’ll tell you honestly which manufacturing working capital tool fits, match you to the lender most likely to fund it fast, and stay with you through it. Run a specific operation like a food and beverage plant with its own seasonal cash swings? For machines or the plant, see my manufacturing business loans hub, or compare every option on my loan programs page. Don’t Beg the Bank! Get funded instead.
Sources: U.S. Small Business Administration, 7(a) loan program and 504 loan program.
Straight Answers Before You Apply
What is manufacturing working capital?
How do I fund a purchase order bigger than my cash?
What is invoice factoring and how does it help a manufacturer?
Do I need collateral for manufacturing working capital?
How much manufacturing working capital can I get?
What does it cost to work with you?
A Broker Who Knows Which Lenders Fund the Cash Gap
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, not a bank and not a lead-selling portal. Working-capital and factoring lenders each have their own appetite for industries, customers and structures, and matching you to the one most likely to fund your cash gap fast and at the best terms is the whole point of working with me. I personally review every application, I call you directly, and I never text. For program details, see the SBA’s 7(a) loan program.
Don’t Beg the Bank!
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm … and they’ll move too slow while a big order slips away. I match you to manufacturing working capital built for the cash gap … fund raw materials and payroll, factor the slow invoices, take the big purchase order, bridge a crunch, and get a same-day callback from a broker who reviews every deal himself.
Loan amounts, terms, rates and funding speed shown reflect typical lender programs, not guarantees, and vary by lender, creditworthiness, cash flow, receivables and structure. Manufacturing working capital generally ranges from $10,000 to $5 million depending on your revenue, orders and receivables, with lines and factoring facilities that scale with sales. *Working capital and factoring are commonly financed through SBA 7(a); SBA loans follow standard SBA timelines and eligibility, and “no two years of history needed” refers to acqfactoring underwritten substantially on the customer’s credit rather than the borrower’s prior’s prior business history. Credit is considered along with other factors; there is no single hard minimum FICO simply to apply, but stronger credit supports better rates and terms, and not all applicants are approved. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed before you commit, and is separate from any compensation to me. Final eligibility, rate, term and structure are determined by the lender. This is not a commitment to lend. Same-day approvals are common when the application reaches me before 9am Arizona Time.