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Manufacturing & Wholesale

Manufacturing & Wholesale Financing — Machines, Inventory and Big Orders

Capital is tied up in raw materials, work in process and finished goods at the same time, and one large order can break your cash flow even when it saves your year.

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What owners in this industry finance

  • CNC, tooling and production equipment
  • Raw materials and supplier deposits
  • Filling an order larger than your working capital
  • Facility purchase or expansion

What we would tell you

Asset-heavy balance sheets are where asset-based lending beats every cash-flow product. Build the borrowing base and stop being capped by last year's earnings.

The programs that fit best

Equipment Financing

The machine is the collateral

A few days 580+ (varies by equipment) FICO

Asset-Based Lending

Borrow against what you own

Days to weeks Program dependent FICO

Purchase Order Financing

Say yes to the big order

Same day No minimum FICO

Invoice Factoring & A/R Financing

Turn unpaid invoices into cash

2 – 5 days No minimum FICO

Program guidelines shown are our lending partners' published minimums as of September 2026 and can change. They are qualification floors, not an offer.

Straight answers

Manufacturing & Wholesale funding questions

What is the best financing option for manufacturing & wholesale?
It depends on what the money is for. Asset-heavy balance sheets are where asset-based lending beats every cash-flow product. Build the borrowing base and stop being capped by last year's earnings.
Can I get funded for my manufacturing & wholesale business with bad credit?
Several products carry no minimum credit score — equipment financing at 580, and invoice factoring, purchase order financing and revenue-based options with no FICO floor at all. See bad-credit options.
How fast can we get the money?
Same day to three business days on the fast programs from a complete file. Equipment takes a few days, invoice factoring 2–5 days, SBA 30–45 days.
No cost · No obligation

Funding for manufacturing & wholesale

One application, shopped across 14 programs, no fee to you.

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Checking your options does not affect your business credit. A soft review only.