Manufacturing Business Loans, Funded in as Little as 24–48 Hours
$20,000 to $500,000+ for manufacturers, fabricators, machine shops and food processors through one 60-second form. One application for our lender network and one dedicated specialist who knows how manufacturers earn. Manufacturing business funding and working capital from $20K to $500K+, for job shops, fabricators and small plants.
- Capital that keeps the line running. Raw materials, tooling and payroll while purchase orders are still 30–90 days from paying.
- Money for the machine, the big order or the second shift. Whatever it’s for, it can move fast.
- Just 3 months of business bank statements to receive offers.Some states require 4 months.
See What Your Manufacturing Business Qualifies For
Takes about a minute. No obligation, and applying won’t affect your credit.
From Application to Funding in Four Steps
The same process we have run for more than 10,000 businesses.
Step01Tell us what you need
Loan amount, monthly revenue and how to reach you. About a minute, and a soft inquiry only.
Step02Meet your funding specialist
One person owns your file. They read your statements, ask the right questions and work the lender network on your behalf.
Step03Compare real offers
Term, payment and total cost side by side. No jargon, and nothing is signed until you understand every line.
Step04Get funded
Sign electronically. Most files fund in as little as 24–48 hours of approval.
What Manufacturers Fund with It
Manufacturing ties up cash in materials and receivables long before the invoice pays. Funding covers the gap so the line never stops.
- Equipment and toolingCNC machines, presses, robotics, forklifts and the repairs that can’t wait.
- Raw materials for large ordersBuy steel, resin, packaging or components in bulk before the purchase order pays.
- Payroll through slow receivablesCover a second shift or overtime while net-60 customers catch up.
- Capacity and facility upgradesAdd a line, expand the floor or bring a new product to market.
One Application, Every Option That Fits a Manufacturer
Amounts and timing depend on your file. SBA, term loans and revenue-based financing are also available through the same form.
Working Capital Loan
Short-term capital for payroll, inventory, materials or a slow stretch.
Business Line of Credit
Draw for predictable seasonal swings and redraw as you repay.
Equipment Financing
Finance the equipment you need, where the equipment itself is the collateral.
Invoice & Receivables Financing
Advance against invoices that are billed but unpaid, instead of waiting on net-30 to net-90 terms.
Established Businesses Qualify Fastest
Three things decide the menu of offers. None of them is a perfect credit score.
Credit is considered, not decisive. Revenue-based options weigh your deposits more heavily than your score. Lines of credit need 650+.
Florida-Based, Funding Nationwide
A+ rating with the Better Business Bureau. 4.9 out of 5 based on 200+ Trustpilot and Google reviews (as of September 2026).
Speed without the runaround
Pre-approval in hours, not weeks, and funding in as little as 24–48 hours.
One specialist, start to finish
A named person who knows your file, answers the phone and explains every term.
Offers you can compare
Term, payment and total cost side by side, in writing, before you sign.
Repayment that fits
Daily, weekly or monthly repayment matched to how your business actually earns.
Would absolutely recommend Raul to anyone looking to find funding solutions for their company. If it wasn’t for Raul & RAN Funding I would not have been as prepared as I am now to reach my business goals. Thank you!
Manufacturing Business Funding for Shops and Plants
Raw materials and payroll are paid long before net-60 invoices clear. One application reaches a network of funders; decisions in 24–48 hours.
Manufacturing Business Loans
A business term loan gives your plant a lump sum with payments over up to 3 years. Manufacturing business loans cover CNC machines, presses, tooling, forklifts and facility upgrades. Your specialist shows the total cost before you sign anything.
Manufacturing Business Working Capital
Large purchase orders need raw materials up front. Manufacturing business working capital, including a line you can draw and reuse, covers steel, resin, components and overtime while receivables age. Some products fund the same day you are approved.
Business Loans for Manufacturers
Business loans for manufacturers are sized to your monthly deposits rather than your equipment list. Manufacturers with a year in business and $20K or more in monthly revenue can see manufacturing business financing offers from $20K to $500K+ after a soft credit check.
Manufacturer Business Loans
Manufacturer business loans and manufacturer business funding support hiring machinists, adding a shift, taking on a larger contract or buying a competitor's equipment. RAN does not lend; we broker your file to funders that work with industrial businesses.
Machine Shop Business Loans
Machine shop business loans fit job shops, tool and die makers, fabricators and precision machining operations. One short application and three months of bank statements bring back several offers and a dedicated specialist who explains each one in plain terms.
Fast Manufacturing Business Loans
A spindle fails or a customer doubles an order with a 30-day deadline. Fast manufacturing business loans put money in your account in as little as 24–48 hours after approval. A soft credit check shows your options first, with no impact on your score.
Manufacturers: What It Costs Now and What Fits
How Manufacturers Get Funded in 2026
The cash cycle for manufacturers is defined by raw materials and tariff-raised input costs paid ahead of orders, 45- to 60-day receivables and expensive production equipment. The products that fit are equipment financing for CNC, presses and automation (71% of applicants fully approved in 2026); A/R or PO financing on orders; a line for materials. 62% of manufacturers reported tariff-related cost increases in 2026, the second-highest of any sector; see tariffs and working capital.
| Product | Typical cost at Prime 7.00% | Speed | Fully approved in 2026 (Fed) |
|---|---|---|---|
| Line of credit | 8% – 11% bank; 8% – 36% APR equiv. online | 1 – 3 days online | 45% |
| Term loan | 7% – 11% bank; 10% – 36% online | 2 – 5 days online | 35% |
| Equipment financing | 9.9% – 24% fixed | 2 – 7 days | 71% |
| Revenue-based / MCA | Factor 1.15 – 1.45 | Same day – 48 hours | 48% (12% denied) |
| A/R financing | 1% – 4% per 30 days | 3 – 7 days | High; depends on customers’ credit |
| SBA 7(a) | 10.00% – 13.50% | 30 – 60 days | 37% |
Prime has been 7.00% since September 17, 2026; variable products repriced a quarter point, fixed and factor-rate products did not. Scenarios for the October 28 Fed meeting are in prime rate is 7%: what it means for business loan rates.
Guides for Manufacturers
Straight Answers Before You Apply
How fast can a manufacturer get funded?
Working capital and revenue-based options can fund in as little as 24–48 hours once approved. Equipment financing, receivables financing and lines of credit typically take 48–72 hours. Your specialist gives you the realistic timeline before you commit to anything.
Can I get funding with less-than-perfect credit?
Often, yes. Revenue-based options are underwritten mainly on your business deposits and order flow, not your personal score. Lines of credit need 650+ credit.
Can I finance a machine and still get working capital?
Yes. Equipment financing is secured by the machine itself, so it can sit alongside a working capital or receivables facility. Your specialist structures the two so the combined payment fits your cash flow.
Can a start-up manufacturer qualify?
Not through this program. It’s built for operating manufacturers with at least one year in business and $250,000+ in annual revenue.
Where can I get working capital for manufacturing company expenses?
Working capital for manufacturing company expenses like raw materials, payroll and freight is available from a network of funders through one application. A term loan, line of credit or revenue-based financing may fit depending on how your receivables flow. Your specialist shows the total cost before you sign.
Do manufacturing business loans require collateral?
Most manufacturing business loans in our network are based on monthly revenue rather than pledged machinery or real estate, so your equipment stays unencumbered. Approval is never guaranteed, but one application brings back several offers to compare, and a soft credit check shows options first.
How much manufacturing business funding can I get?
Manufacturing business funding on these pages typically runs from $20K to $500K+, based mainly on monthly revenue and time in business. Shops with strong, consistent deposits often qualify for more than they expect. Decisions come back in 24–48 hours, and some products fund the same day.
Is RAN Funding a lender for manufacturer business funding?
No. RAN Funding is a broker and ISO. We present one application for manufacturer business funding or manufacturing business financing to a network of funders, and a dedicated specialist brings back offers and walks you through them. BBB A+ rated, 200+ reviews, serving manufacturers nationwide.
Is RAN Funding a lender?
RAN Funding is a business financing broker, not a lender. One application reaches a network of funders, and a dedicated specialist brings back the offers you qualify for with the rate, term and total cost side by side. Our compensation is disclosed and paid by the funder, and it does not change the terms you are quoted.
Ready When You Are
One minute to see your options. A specialist calls back during business hours, Monday to Friday, 9am to 6pm ET.