Working capital for small manufacturers
Raw materials, machine time and labor all come before the invoice. A line of credit lets you fill bigger orders without starving the rest of the shop.
- Buy raw materials for large orders
- Keep machines maintained and running
- Cover payroll on long production runs
Big orders are good news that cost money first
When a customer places a large order, you buy the materials, run the machines and pay your people long before their payment arrives. For a small shop, one big order can tie up everything.
Fabricators, machine shops, food producers and other small manufacturers use a Flex Credit Capital line to say yes to growth and keep operations steady.
Common uses
- Steel, lumber, resin and other raw materials
- Machine repairs, tooling and maintenance
- Payroll during long production runs
- Packaging and shipping costs for big orders
The basics we look for
If your business checks these boxes, it’s worth a few minutes to apply.
We look at how your business is actually doing, mostly through your recent bank statements. Your credit score matters less here than it does at a bank.
- Time in business6 months or more
- Monthly revenue$15,000 or more
- Business bank accountRecent statements
- LocationU.S.-based business
- CollateralNot required
Questions from manufacturing owners
Can I use it for a new machine?
Yes, you can use your line toward equipment purchases.
My customers pay net-60. Is that a problem?
No. That’s exactly the kind of gap a line of credit is built to cover.
Do you finance against my inventory?
No collateral is required, including inventory.
See what your business qualifies for
Tell us what you need the money for and how much. A funding advisor will follow up with real numbers, usually the same day.