$275,000 Funded in 48 Hours for a Texas Manufacturer

Winning the Order Was the Problem

Growth is the most common cause of a cash crunch in manufacturing, and it catches good operators by surprise. A large new order arrives. Producing it means buying raw materials at volume, adding shifts, and running payroll for weeks or months — all before a single invoice is issued, let alone paid. The bigger the order, the deeper the hole before any of it comes back.

That was this business’s position. The order was signed and the capacity existed, but the working capital to execute did not. Turning the order down was the alternative on the table — which would have meant declining revenue the business had already won, and likely losing the customer relationship behind it.

Payroll is the part of that squeeze with no flexibility in it. Material orders can sometimes be staged; a pay date cannot move. In a manufacturer that depends on skilled production staff, missing one is not just a financial event. People leave, and replacing them costs more than the shortfall did.

What We Did

RAN Funding is a broker, not a lender. The business completed one application and provided the last four months of business bank statements. That single file went out across our lender network at once, rather than the owner applying to funder after funder while the production schedule and the pay date both closed in.

Offers came back and a funding specialist walked the owner through each one — how the repayment was structured, how the cadence sat against the business’s deposit rhythm, what the total cost of capital worked out to, and what each option would leave available if more capital were needed later in the year.

The file closed at $275,000 as a business line of credit, funded in 48 hours. The structure is worth noting, because it fits a production run better than a lump sum does. Costs on a large order do not all land at once — materials first, then payroll across the weeks of production. A line lets the business draw as those costs arrive rather than paying on the full amount from day one, and repay as the invoice clears.

It also leaves something behind. Once the order is delivered and the draw is repaid, the capacity is available again for the next order — which, for a manufacturer whose growth keeps outrunning its cash, is the difference between solving this problem and solving the category of problem.

What Made 48 Hours Possible

Two-day funding is real, but it is not automatic. It happens when the file arrives complete and nothing has to be chased. In this case the basics were in place from the start:

• Four consecutive months of business bank statements, complete, every page. Personal statements do not count and missing pages are the single most common cause of delay.
• An established business with consistent deposits. Underwriters at this size read the trend across all four months, not the best one.
• Existing obligations disclosed up front. An advance discovered mid-underwriting means the file is re-priced and the clock restarts. Disclosed at the start, it is simply part of the math.
• Entity and ownership details matching the bank account. Mismatches here quietly add days.

Two days is quick for a line of credit specifically. Lines generally carry the highest qualification bar of the common structures — 1+ year in business, $250,000 or more in annual revenue and a 650+ credit score is the general guidance — so a file that clears those cleanly moves fast.

More on compressed timelines: same-day business funding.

Nothing about this file was exotic. An established business, revenue banked through business accounts, a clear and time-bound use for the capital. That describes a large share of the businesses funded in the $250,000 to $500,000 range.

The pattern is worth naming, because owners in this position often assume a cash crunch counts against them. It usually does not. An order-driven shortfall inside a profitable business reads very differently to an underwriter than a shortfall with no revenue behind it — the file shows forward work, not decline. See manufacturing and wholesale funding from $250,000 to $500,000 for how these files are read.

If the gap you are covering is a receivables timing problem rather than a revenue problem, the structure question matters more than the amount — see term loan vs. line of credit vs. revenue-based funding at $250,000+. Businesses that already carry an advance are placed regularly too: funding with an existing MCA.

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