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Manufacturing business loans

Manufacturers carry costs across long production cycles — machinery, raw materials, labor, and tooling all spend out before a finished order ships and invoices clear. Hoss Capital matches manufacturers with funding partners who understand purchase orders, equipment as collateral, and the months-long gap between buying inputs and getting paid.

Term sheet · draft1 / 3
Your need33%
$

Checking your options won't affect your credit score. Takes ~2 minutes.
75+
Lending partners
$5K–$5M
Funding range
24 hrs
As fast as
50 states
Served nationwide

Funding options for manufacturers

SBA Loans

Government-backed financing with the lowest rates and longest terms available to small businesses.

SBA Loans for Manufacturing →

Equipment Financing

Buy or lease the equipment you need now — the equipment itself secures the financing.

Equipment Financing for Manufacturing →

Invoice Factoring

Stop waiting 30, 60, or 90 days to get paid — turn your unpaid invoices into cash now.

Invoice Factoring for Manufacturing →
Key takeaways
  • Manufacturing runs on a long cash-conversion cycle — materials, labor, and tooling spend out before the customer pays net-30 to net-90, so even a full order book can feel cash-starved.
  • Equipment financing uses machinery as its own collateral, spreading cost over its useful life and keeping working capital free.
  • Purchase order and raw-material financing fund the inputs to fulfill confirmed orders larger than your cash on hand, repaid when the customer pays.
  • Invoice factoring and lines of credit bridge the gap between shipping product and getting paid.

Funding built for how manufacturing actually works

Manufacturing runs on a long, expensive cash-conversion cycle. You buy raw materials and tooling, pay labor and overhead through production, then wait net-30 to net-90 for the customer to pay the finished invoice. Capital is tied up at every stage — which is why even a growing shop with a full order book can feel cash-starved.

The options that fit manufacturers best

  • Equipment financing — for CNC machines, presses, robotics, and production lines, with the equipment as collateral so you preserve working capital and add capacity without a lump-sum hit.
  • Purchase order & raw-material financing — fund the inputs and production costs for a confirmed order, repaid when the customer pays. This unlocks orders larger than your cash on hand.
  • Invoice factoring & lines of credit — bridge the long gap between shipping product and getting paid, smoothing payroll and supplier terms.

Real sub-segments we see

  • Contract and job-shop manufacturers managing lumpy, project-based orders.
  • Food and beverage producers with perishable inputs and tight margins.
  • Metal fabrication and machining shops that live or die by equipment uptime.

Cash-flow and seasonality dynamics

Demand often tracks a customer’s own seasonality — consumer goods makers ramp before the holidays, while suppliers to construction or agriculture follow those build cycles. Financing inputs and capacity ahead of those peaks is what lets a manufacturer say yes to the order instead of turning it away.

Why match through Hoss Capital

A generalist lender may not grasp how a confirmed PO de-risks a deal, or how to value machinery as collateral. Hoss Capital routes your profile to partners that actively fund manufacturers — so you spend time with lenders who understand production cycles and asset-backed lending.

Manufacturing funding FAQs

What's the best funding for a manufacturing business? +

It depends on the need. Equipment financing fits machinery and tooling, with the equipment as collateral. Purchase order and raw-material financing covers the inputs to fulfill large orders, and invoice factoring or a line of credit bridges the net-30 to net-90 wait until customers pay.

Can I get financing to fulfill a large purchase order I can't afford? +

Yes — that's exactly what purchase order financing is for. A lender funds the supplier or production costs needed to complete a confirmed order, then is repaid when the customer pays. It lets you accept orders bigger than your current cash position would otherwise allow.

How do manufacturers finance new equipment without draining cash? +

Equipment financing spreads the cost over the machine's useful life and uses the equipment itself as collateral, so approvals are often faster and your working capital stays free for materials and payroll. Leasing is another option when you want to preserve cash or upgrade frequently.

Last updated: June 2026

How it works

One application. The right lenders.

Instead of applying to lenders one by one, fill out a single snapshot — no spam, no hard credit pull to get started.

  1. 01

    Tell us what you need

    Answer a few quick questions about your business and funding goal. It takes about two minutes and won't affect your credit.

  2. 02

    Get matched

    We review your snapshot and match you with the funding partners most likely to approve a deal like yours.

  3. 03

    Review offers & get funded

    Compare your options with a funding specialist and choose what works. Approved deals can fund in as little as 24 hours.