Manufacturing Industry Funding

Manufacturing Business Financing

Equipment financing, supply chain capital, and facility expansion for manufacturers — $50K to $5M.

$50K–$5M
Funding Range
From 5.99%
Equipment Rate
Up to 7 Yrs
Equipment Terms
PO Financing
Available
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Funding for Manufacturing Companies

A CNC machine costs $50K–$500K. A production line upgrade can exceed $1M. Beyond equipment, manufacturers purchase raw materials on net-15 or net-30 terms while customers pay on net-60 or net-90 — creating chronic working capital pressure for growing manufacturers taking on larger orders.

Bridgepoint partners with lenders who evaluate funding based on equipment value, purchase orders, and production contracts — not just historical financials. Equipment financing covers lathes, presses, packaging systems, and industrial robots. AR financing unlocks outstanding invoices to cover materials and payroll. SBA loans up to $5M fund new production facilities, warehouse expansions, and acquisitions.

We also help manufacturers build business credit for ongoing capital access at lower long-term rates — so the cost of capital decreases as revenue grows.

Common Manufacturing Funding Challenges

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Heavy Equipment & Machinery Purchases

CNC machines, presses, lathes, and production lines cost $50K–$1M+. Waiting to purchase equipment outright means turning down contracts you're qualified to fulfill.

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Raw Material & Supply Chain Financing

Materials must be purchased on net-15 or net-30 while customers pay on net-60 or net-90. This payables/receivables gap is the #1 growth constraint for manufacturing businesses.

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Facility Expansion & Upgrades

Expanding production capacity requires new square footage, power upgrades, and facility improvements that can run $500K–$5M. SBA 504 loans and commercial real estate financing cover these.

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Working Capital for Large Orders

A large purchase order is a capital problem before it's a revenue opportunity. Purchase order financing and AR financing together cover the full order cycle from raw materials to payment.

Why Choose Bridgepoint for Manufacturing Funding

Equipment financing up to $5M for CNC machines, production lines, industrial robots, and packaging systems at rates from 5.99%

Purchase order financing to fulfill large orders before customer payment — lenders evaluate contracts, not just historical financials

AR financing to bridge the payables/receivables gap during growth — convert net-60 customer invoices to working capital within 48 hours

Business credit building to reduce long-term borrowing costs as the business scales and takes on larger production contracts

Recommended Funding Products

Manufacturing Financing FAQ

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.