Funding for manufacturing.

Virtually all manufacturing equipment qualifies for financing, including CNC machines, lathes, milling machines, injection molding equipment, industrial presses, welding systems, packaging lines, industrial robots, 3D printers, and quality control instruments. Both new and used equipment are eligible. Used equipment financing typically covers machines up to 10-15 years old depending on the equipment type and remaining useful life.

Purchase order financing provides capital to cover the cost of raw materials, labor, and production expenses needed to fulfill a confirmed customer order. The lender advances up to 100% of the supplier costs based on the value of the purchase order. When you deliver the finished goods and invoice the customer, the PO financing is repaid from the receivable. This allows manufacturers to accept large orders without the working capital to fund production upfront.

Requirements vary by product. Equipment financing typically requires 6 months in business, $100,000 or more in annual revenue, and a 550+ FICO score. Lines of credit generally require 12 months in business and $150,000 or more in annual revenue. SBA loans require 2 years of operating history, a 650+ credit score, and detailed financial documentation including tax returns and a business plan.

Yes. SBA 504 loans are specifically designed for major fixed-asset purchases including manufacturing facilities, warehouses, and production space. These loans offer up to $5 million with 10-25 year terms and below-market interest rates. Conventional commercial real estate loans are also available. For tenant improvements and buildouts in leased spaces, equipment financing or term loans can cover the costs.