Time in business
Around six months of operating deposits is a common starting conversation.
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Industry
Inputs and machine time land before invoices clear.
Light manufacturers and fabricators buy materials on one calendar and collect on another.
The cash cycle
Factoring for billed production, equipment finance for presses and CNC, and lines for the quiet weeks between POs. Soft inquiry to start.
We read deposit concentration, existing equipment liens, and whether “growth” is simply more WIP against one buyer. Scrap rates, change orders, and tooling deposits belong in the story — not after the fact.
How operators typically use funds
- Raw materials ahead of a booked run.
- Payroll across a long build before shipment.
- Equipment or tooling with a vendor invoice and useful life.
- Bridge capital while a large receivable clears.
Structures we often discuss
- Line of credit or short noteFor materials and labor timing — not a permanent margin hole.
- Invoice factoringWhen billed shipments are real and the buyer’s credit is the story.
- Equipment financingWhen the machine — not the PO schedule — is the plan.
Eligibility snapshot
A starting frame — not a decision.
Revenue
Around $15,000 in monthly deposits is a common starting conversation. Project-heavy books need statements that show the pattern, not one lucky shipment.
Credit
Personal credit near 500+ is often discussed, along with existing obligations and liens on the floor.
What we watch in this trade
Buyer concentration, aging receivables, and whether tooling or equipment is already pledged. Disclose existing advances early.
Soft inquiry to start. Applying is free and is not an offer of credit.