01Manufacturing
Funding for manufacturing.
Minimum average deposits
A manufacturer buys materials, converts them over weeks, ships, and is then paid on terms. Money leaves at the start of that sequence and returns at the end, and the length of the gap is the fact that decides how a manufacturer should be funded.
02How the money arrives
What your statements actually show.
Underwriting reads your bank account, not your industry. Knowing how revenue reaches the account in this sector is what makes the difference between a file that is understood and one that is misread.
- Revenue shape
- Purchase orders invoiced on net terms, frequently net-60 or longer with established buyers. Card volume is negligible. Deposits or progress payments on large orders are common and materially change the profile.
- How it reads to a funder
- Large, infrequent and tied to shipment rather than to trade. A month with no deposits is not a month without work: it is a month in production. Statements alone describe a manufacturer poorly, which is why the order book matters more here than in any other sector on this list.
- Seasonality
- Determined by the customers rather than the calendar. A supplier into retail carries retail's fourth-quarter shape a quarter earlier; a supplier into construction carries construction's. The lead is the thing worth knowing.
03What it funds
What the money is usually for.
Not a list of everything money can do. These are the things owners in this sector actually come to us for.
- Raw materials for an order already won but not yet paid for
- Machinery, tooling and automation
- Hiring and shift expansion to service a new contract
- Bridging net-60 or net-90 terms with a substantial buyer
- Certification, compliance and plant work required before production can scale
Amounts run from $15,000 to $20,000,000, sized against what the account takes in rather than against what the money is for.
04Strength
What strengthens the file here.
The general list is on the qualification page. These are the things that carry particular weight in this sector.
Reads well
- A firm order book that extends beyond the repayment period
- Buyers who settle on time, evidenced across several cycles
- Machinery owned with real equity in it
- Deposits or progress payments built into contracts, which shorten the very gap being funded
05Friction
What complicates it.
None of these is an automatic no. Each one changes what is available, and each one is better raised by you at the start than found in the statements later.
The cash conversion cycle against a weekly debit
This is the honest caution for the sector. Where cash goes out sixty or ninety days before it comes back, a fixed weekly repayment starting immediately lands squarely in the gap the funding was meant to cover. Sometimes an advance is simply the wrong instrument here, and it is better said now than discovered in month two.
Existing liens on plant and machinery
Equipment finance is near-universal in manufacturing and it usually carries a lien. What is left unencumbered decides what asset-backed funding can reach.
Customer concentration
Manufacturers frequently derive most revenue from a handful of buyers. It is scrutinised closely, because one buyer changing terms moves the whole repayment.
A fact that arrives with an explanation is worked with. The same fact found in the statements is a surprise, and surprises cost you terms.
06Which product fits
Not every sector wants the same instrument.
We arrange four. These are the ones that tend to suit manufacturing, and why. Which one is right for you is decided on your file, not on your sector.
Quoted per file
Asset-backed capital
Machinery and tooling are substantial security, and the repayment shape sits better against a long production cycle.
How it worksQuoted per file
Bridge financing
The right shape against a specific purchase order or a shipment that settles on a known date.
How it worksQuoted per file
Revenue-based financing
Where an advance would be too rigid, tying repayment to actual revenue absorbs the production gap better.
How it worksFind out where your file stands.
The application takes about fifteen minutes and asks for 3–6 months of business bank statements. If something on this page describes your business, say so at the start: it is the difference between a file that is read correctly and one that is read twice.