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Industry Financing

Manufacturing Business Loans

Financing solutions for manufacturing companies, factories, and production facilities.

Manufacturing business loans help manufacturers finance equipment, machinery, inventory, and working capital. Common uses: production machinery, automation equipment, facility expansion, raw materials, inventory, and working capital. Loan types: equipment financing (6-30% APR) for machinery, SBA loans (6-13% APR) for real estate and large expansion, term loans ($50k-$2M+), and lines of credit ($25k-$500k). Approval in 24-72 hours for alternative lenders, 1-4 weeks for SBA. Requirements: 6+ months in business, $10k+/month revenue, 600+ credit. Manufacturing companies are considered stable but may need to show production capacity and order pipeline.

Common Financing Needs

Equipment & Machinery

  • • Production machinery
  • • Automation equipment
  • • CNC machines
  • • Assembly line equipment
  • • Quality control systems

Learn about equipment financing.

Facility & Expansion

  • • Facility expansion
  • • Real estate purchase
  • • Warehouse space
  • • Production line additions

Explore SBA loans.

Inventory & Materials

  • • Raw materials
  • • Finished goods inventory
  • • Component parts
  • • Packaging supplies

Working Capital

  • • Payroll and labor
  • • Operating expenses
  • • Cash flow management
  • • Order fulfillment

Best Loan Types for Manufacturing Businesses

1. Equipment Financing

Best for: Production machinery, automation equipment, and CNC machines.

  • • Rates: 6-30% APR
  • • Terms: 2-7 years
  • • Amounts: $25k-$500k+
  • • Equipment serves as collateral
  • • Fast approval (24-72 hours)

Learn more about equipment financing →

2. SBA Loans

Best for: Real estate, facility expansion, and large capital investments.

  • • Rates: 6-13% APR (lowest)
  • • Terms: 5-25 years
  • • Amounts: Up to $5M
  • • Requires 2+ years in business

Learn more about SBA loans →

3. Term Loans

Best for: Large purchases, expansion, and one-time capital needs.

  • • Rates: 8-25% APR
  • • Terms: 1-5 years
  • • Amounts: $50k-$2M+
  • • Fixed monthly payments

Learn more about term loans →

4. Business Line of Credit

Best for: Inventory, raw materials, and ongoing operating expenses.

  • • Rates: 8-25% APR
  • • Limits: $25k-$500k
  • • Draw as needed
  • • Pay interest only on what you use

Learn more about lines of credit →

Why Lenders Favor Manufacturing

Stable Revenue

Manufacturing companies often have long-term contracts and recurring orders, providing stable revenue streams that lenders value.

Valuable Assets

Manufacturing equipment and facilities serve as valuable collateral, reducing lender risk and improving approval odds.

Growth Potential

Manufacturing businesses often have clear growth paths and expansion opportunities, making them attractive to lenders.

Qualification Requirements

  • Time in Business: 6+ months (12+ months preferred, 2+ years for SBA)
  • Monthly Revenue: $10,000+ (higher for larger loans)
  • Credit Score: 600+ (higher scores get better rates)
  • Production Capacity: May need to show order pipeline

Learn more about how to qualify for a business loan.

Frequently Asked Questions

Can I finance production machinery?

Yes, equipment financing is ideal for production machinery. Equipment serves as collateral, rates are competitive (6-30% APR), and approval is fast (24-72 hours). Terms typically 2-7 years.

What's the best loan for facility expansion?

SBA loans are best for facility expansion and real estate. Offer lowest rates (6-13% APR) and longest terms (5-25 years). Require 2+ years in business and strong financials.

Can I finance raw materials and inventory?

Yes, lines of credit are ideal for inventory and raw materials. Draw as needed for each production run and pay interest only on what you use. Term loans also available for larger purchases.

Ready to Finance Your Manufacturing Business?

Apply now and get a decision in 24-72 hours. Fast approval for equipment, machinery, and working capital.

Fast decisions • Clear terms • Real people