Machines that unlock capacity
CNC mills, presses, lasers and robotics qualify for 60- to 84-month equipment loans secured by the machine, new or refurbished. Rigging and installation can usually be rolled in.
Funding for manufacturers,
matched to the production cycle.
Materials are bought on net-30 at the start of a run and the customer pays on net-60 after delivery. One application, shopped to the lenders we work with that understand tooling costs and record orders, with funding in as little as 24 hours.1 No impact to your credit score to apply.2 Amounts from $5K to $5M.3
4.8Excellent · Based on 12,480 reviews
FundLine Capital is a commercial loan broker, not a lender. Offers are made by the lenders we work with.
How much do you need?Illustrative only. Your rate, term and payment are set by the lender whose offer you accept.
Est. monthly payment$5,067
Illustrative terms9.5% APR · 84 mo
84 moterms available on production machinery
A five-axis mill that clears a four-week backlog should be paid for over the years it runs, not out of one quarter's cash. Equipment lenders we work with go to 84 months on the right machine.
Capital for machines,
materials and the record order
Manufacturers have real collateral and long cycles. That is a profile lenders like, and it opens products a service business cannot get.
Purchase-order and invoice funding
PO funding pays your suppliers for the materials to fill a confirmed order. Invoice financing then advances up to 85 percent as each shipment ships. The customer's net-60 becomes your cash this week.
Owning the building next door
A 20- to 25-year commercial real estate loan finances the facility at a payment often within 10 percent of the rent you already pay, and doubles the floor.
Customer concentration is a factor, not a wall
A shop with two or three creditworthy customers can still qualify; for invoice and PO funding the lender underwrites those customers' payment history, not just yours. Bring copies of your major purchase orders, an aging report and your equipment list. Lenders that fund manufacturers read the whole balance sheet, and the machines on your floor are collateral that widens what you can borrow.
How manufacturers get funded with FundLine
Ironvale Precision Works
$215,000 of $400,000Available to draw
$185,000Outstanding balance
Draw funds
Aluminum stock, PO 2291$120,000
Overtime and tooling$65,000
Next payment$7,880 on Oct 1
Invoice due from customerNov 14
- 1
Apply once
About 15 minutes. Company details, three to six months of bank statements and, for larger amounts, a P&L, balance sheet, equipment list and copies of major purchase orders.
- 2
Compare offers
We shop the application to the lenders we work with that fund manufacturing and lay out the offers, including equipment terms, PO advance rates and real estate structures.
- 3
Run the order
Accept the offer that fits. Lines and invoice financing can fund in as little as 24 hours; equipment, SBA and real estate loans take longer for appraisals.
Talk to someone who can
read a purchase order and an equipment list.
Our advisors have placed mill and press financing, PO funding and building loans for job shops, contract manufacturers and food processors. Bring your backlog and your biggest customer's terms; we will tell you which products fit before you apply.
Book a callReal people, any day of the week
What manufacturers say
Excellent
4.8
Based on 12,480 reviewsFundLine owner reviewsManufacturing funding questions
Manufacturers typically qualify for equipment financing, a business line of credit for materials and invoice financing for large customer orders. Established shops are strong SBA 7(a) and commercial real estate candidates. FundLine shops one application to the lenders we work with that fund manufacturing.
Yes. Purchase-order funding pays your suppliers for the materials needed to fill a confirmed order and is repaid when the customer pays. Invoice financing then covers the gap after shipment. Several lenders we work with do both.
Most equipment lenders do, with terms that depend on the age and condition of the machine. The equipment secures the loan, and rigging, installation and training costs can often be rolled in.
Equipment loans match the machine, commonly $75K to $1M. Material lines run $50K to $750K. PO and invoice funding are sized to the orders. Building purchases through commercial real estate loans run $500K to $5M through the lenders we work with.
The application takes about 15 minutes. Lines and invoice financing often return offers within a couple of days, and many lenders fund in as little as 24 hours after you accept. Equipment, SBA and real estate loans take longer for appraisals and documentation.
It is a factor lenders weigh, especially for invoice financing where the strength of the customer matters. A shop with two or three creditworthy customers can still qualify; the lender will focus on those customers' payment history.
Yes. Commercial real estate loans and SBA 504 loans finance owner-occupied buildings over 20 to 25 years, often with 10 to 15 percent down. Lenders want an appraisal, your financials and a plan for the space.
Often. Dedicated tooling tied to a machine purchase can usually be included in the equipment loan. Consumable tooling and general shop supplies are funded from a line of credit instead.
Three to six months of business bank statements, basic company details, a recent P&L and balance sheet for larger amounts, an equipment list and copies of major purchase orders. Machine requests need the builder or dealer quote.
Equipment financing
Mills, presses and lasers on 60 to 84 months, new or refurbished, with rigging rolled in.
Commercial real estate
Own the building next door on a 20- to 25-year loan at a payment close to your current rent.
Guides for manufacturers
How lenders read a job shop, and how to fund the next machine, the record order and the building.
Guide
Business financing, explained
From a material line to a 25-year building loan, every product and where it fits a manufacturer.
Read moreBlog
A term loan for the next stage
When a fixed payment on a machine or a facility beats drawing down the line.
Read moreTool
Payment calculators
Compare an 84-month machine payment to the backlog it clears.
Read moreReady to fund
the next machine?
One 15-minute application. No impact to your credit score to apply.
- 1¹ Funding in as little as 24 hours applies to select products after you accept an offer. Timing varies by lender, product and how quickly documents are returned.
- 2² Submitting a FundLine application does not affect your personal or business credit score. A lender may run a hard inquiry before final approval and will disclose it first.
- 3³ Amounts, rates and terms are set by the lender and depend on time in business, revenue and credit profile. $5K to $5M is the range across the lenders we work with; not every business qualifies for every amount.
- 4Commercial real estate and SBA 504 loans require an appraisal and owner occupancy of at least 51 percent of the property. Down payments and terms are set by the lender.