Manufacturing financing
Get $5,000 to $10 million to buy raw materials, fund production runs, upgrade equipment and keep your facility running, funded in as little as 24 hours.
- No collateral required
- Same-day decisions
- No hard credit pull
Simple, fast and clear.
- $5K–$10M
- Funding amounts
- 500+
- Minimum credit score
- Same day
- Decisions
- 24hours
- Fastest funding
Manufacturing financing options at a glance.
Manufacturers pay for materials and labor weeks before an order ships, then wait for customers to pay on their terms. The right option depends on what you’re paying for.
Small Business Term Loans
- Best for
- A new production line, more floor space or tooling for a new part
- Repayment term
- 6 to 48 months
- Min. credit score
- 500+
Business Line of Credit
- Best for
- Raw materials and payroll as orders rise and fall through the year
- Repayment term
- Revolving: repay and draw again
- Min. credit score
- 500+
Equipment Financing
- Best for
- CNC machines, presses, molding machines and forklifts
- Repayment term
- 2 to 5 years
- Min. credit score
- 500+
Invoice Financing
- Best for
- Invoices to large customers who pay on 30-, 60- or 90-day terms
- Repayment term
- Per invoice, when your customer pays
- Min. credit score
- 500+
Working Capital
- Best for
- One large production run, paid for before the customer pays you
- Repayment term
- 3 to 24 months
- Min. credit score
- 500+
How manufacturing financing works.
Manufacturing has a long cash cycle. You buy materials, run the job and ship it, then wait 30, 60 or 90 days for the customer to pay, and the bigger the order, the more money is tied up along the way. Financing pays your costs while you wait to be paid.
You apply online in minutes. Our team reviews your application and brings you the options that fit your business. We look at your revenue, deposits and time in business, not just your credit score; for invoice financing, your customers’ payment record counts too.
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Choosing the right option. A machine built to run for ten years suits equipment financing, with the machine as collateral. Materials for a run suit a line of credit or working capital. Invoices to large, reliable customers suit invoice financing, which advances up to 90% of their value before they’re paid.
What we look at. Your recent deposits, your time in business and your credit. A purchase order or a contract from a known customer explains a large need.
What it costs. Prices vary by lender and by business. Compare offers by what you’ll receive, each payment and the total you’ll repay, in dollars, against the margin on the work it pays for.
See how we stack up.
| Traditional Bank | Typical Online Lender | ||
|---|---|---|---|
| Decision speed | Same-day | 2-8 weeks | 1-3 days |
| Credit check | Soft pull only | Hard inquiry | Often a hard pull |
| Min. credit score | 500+ | 680+ | Varies |
| How they decide | Revenue + 50 factors, human review | Tax returns, financials | Algorithm only |
| Who you work with | One dedicated advisor | Loan committee | Call center or portal |
| Collateral | None required | Often required | Sometimes |
| Funding range | $5K-$10M | $50K+ minimum | Varies |
| Apply NowApplying won’t affect your credit score. |
Manufacturing financing for every situation.
In manufacturing, growth means paying for materials, machines and labor before the customer pays you.
Customers on 60- and 90-day terms
Large customers pay on long terms. Invoice financing advances up to 90% of what they owe you now, so you can pay for the next run before the last one is paid.
A machine that brings work in-house
A faster machine takes on work you now send out. Equipment financing spreads the cost over the years the machine is producing.
A new customer wants twice your usual volume. A term loan or working capital carries a second shift and the materials until their first payment arrives.
What manufacturers use financing for.
Raw materials
Steel, resin or stock bought in volume when the price is right.
Production payroll
Operators and overtime paid on schedule while your invoices are out.
Equipment upgrades
CNC machines, presses, molds and dies that add capacity or precision.
Production runs
The materials and labor a big order needs before it ships.
Long payment terms
Cash for invoices on 30-, 60- and 90-day terms, so you can take on new orders while you wait to be paid.
More capacity
More floor space, a new line or a second shift.
All you need to qualify.
We look at more than your credit score, including your revenue history, deposit consistency and time in business. A manufacturer with strong cash flow may qualify even with imperfect credit.
- No collateral
- No hard credit pull
- No upfront fees
- 500+
- Minimum credit score
- 6+months
- In business
- $150K+
- Yearly revenue
- 4months
- Of bank statements
Three steps to your funding.
- 1
Apply online
Fill in our short application in a few minutes. A few basics about your business and what you need, with no stack of paperwork to get started.
- 2
Get your options
Our team reviews your application and brings you the options that fit your business. We look at revenue, deposits and time in business, not only your credit score.
- 3
Receive your funds
Once you’re approved and the documents are signed, the funds can be in your business bank account in as little as 24 hours.
Frequently asked questions.
Is Noya Funding a lender?
Noya Funding is a business funding broker. We work with a wide network of lenders: our team reviews your application, matches you with the options that fit your business and stays with you through funding.
Does applying affect my credit score?
No. There’s no hard credit pull to apply, so applying won’t affect your credit score.
How do you look at a manufacturer’s cash flow?
Through your business bank statements, which show that the gap between buying materials and getting paid is your normal cycle. For invoice financing we also look at who owes you, since invoices to established customers are what it rests on.
Our orders are uneven through the year. Is that a problem?
Uneven orders are normal in manufacturing, and we read the busy months alongside the quiet ones. A purchase order or a contract in hand shows the work you have coming.
What do we need to finance a machine?
A quote or an invoice from the seller with the make, model and price, along with your bank statements. The machine itself is the collateral, and used machines qualify as well as new.
How much can a manufacturer get?
From $5,000 to $10 million. The amount rests on your monthly revenue, your time in business and your credit, and on what the money is for: equipment financing covers up to 90% of a machine’s value, and invoice financing up to 90% of each invoice.
Which states do you work in?
Every state except Texas, Virginia, Connecticut and Missouri, where we can’t take requests yet.
Ready to get funded?
Apply online in minutes. No collateral, no hard credit pull and no obligation.