Materials go in first. The invoice goes out last.
Materials and labour go in long before the finished order ships.
Why cash runs short here
A production run consumes materials, machine time and labour weeks before an invoice goes out, and longer still before it’s paid. Capacity is expensive and lumpy: the next machine is a step change, not an increment.
What it funds
- Machinery, tooling and automation
- Raw materials for a large order
- Bridging order-to-payment on commercial accounts
- Facility expansion
- Skilled hires ahead of a contract
- Certification and compliance work
What usually fits
- Equipment financing Trucks, kitchen lines, medical equipment. The asset is the collateral, so the pricing is sharper and younger businesses qualify.
- Invoice factoring Sell unpaid business invoices and get most of the value now. Your customer's credit carries it, not yours.
- Term loan A lump sum on a fixed payment. Built for a project with a return you can already estimate.
Advising manufacturing
Send the file and we will come back with the structures your numbers support.