Power Your Production With Fast Capital From $10K to $2M
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Manufacturing businesses are the backbone of the American economy, but they also require some of the largest capital investments of any industry. From CNC machines and industrial equipment to raw materials, warehouse space, and skilled labor, the costs of maintaining and growing a manufacturing operation are substantial and ongoing. At Merchant Fund Express, we provide fast, flexible funding solutions designed specifically for the unique capital needs of manufacturers, fabricators, and production companies.
Whether you operate a precision machining shop, a food processing facility, a textile manufacturer, a plastics molding operation, or any other type of manufacturing business, our funding programs are built to help you purchase equipment, stockpile raw materials, fulfill large orders, and scale production capacity without the delays and restrictions that come with traditional bank financing.
Manufacturing is an industry where capital requirements are enormous and timing is critical. A single CNC machine can cost $100,000-$500,000. Raw materials for a large production run can require six-figure purchases months before delivery and payment. Adding a production line or expanding your facility can cost millions. And when a major customer places a large order, you need capital immediately to purchase materials and scale production — you can't wait 90 days for a bank loan.
The payment terms in manufacturing amplify these capital challenges. Most manufacturers operate on Net 30-90 terms with their customers, meaning you deliver finished goods today but don't get paid for months. Meanwhile, your raw material suppliers, utility companies, and employees all need to be paid now. This creates a persistent cash flow gap that can prevent you from accepting new orders, investing in growth, or even maintaining current operations.
Traditional banks view manufacturing as capital-intensive and cyclical, which makes them conservative in their lending. Bank loan applications require extensive financial documentation, facility appraisals, and environmental assessments that can take months. Merchant Fund Express cuts through these delays with funding based on your business revenue and performance, delivering capital in days instead of months.
Purchase CNC machines, industrial presses, injection molding equipment, welding systems, packaging machinery, and other production equipment. Upgrade aging machinery to improve efficiency, quality, and output capacity.
Purchase raw materials in bulk at volume discounts, stockpile supplies before price increases, and ensure you have the materials on hand to fulfill large orders without production delays.
When a major customer places a large order, you need capital to purchase materials, hire temporary staff, and scale production capacity. Our fast funding ensures you never have to turn down a profitable order.
Expand your production floor, add warehouse space, build out new production lines, or open additional manufacturing facilities. Growth requires space, and space requires capital.
Hire skilled operators, machinists, and production workers. Invest in training programs, apprenticeships, and certifications. Cover payroll during ramp-up periods when expenses exceed revenue.
Invest in production automation, robotics, quality control systems, ERP software, and Industry 4.0 technologies that improve efficiency, reduce waste, and increase competitiveness.
Get funded in as little as 24 hours. No obligation, no impact to your credit score.
Start Your ApplicationA precision machining shop in Detroit with 15 employees was awarded a $1.2M annual contract with an automotive supplier. Fulfilling the contract required purchasing two additional CNC machines ($280,000), hiring 6 operators, and purchasing 3 months of raw materials ($90,000). The bank's 90-day timeline would have caused the shop to lose the contract. MFE provided $370,000 in combined equipment and working capital financing within 72 hours. The shop hired and trained operators, installed the machines, and began production within 6 weeks. First-year revenue increased by 65%.
A specialty food manufacturer in Georgia producing artisan sauces had secured placement in a national grocery chain — an order requiring 10x their normal production volume. Raw materials, packaging, additional equipment, and temporary labor for the initial run totaled $225,000. MFE provided $225,000 in working capital within 48 hours. The manufacturer delivered the initial order on time, secured ongoing reorders, and annual revenue grew from $400,000 to $1.8M within 18 months.
| Feature | Merchant Fund Express | Traditional Banks | SBA Loans |
|---|---|---|---|
| Approval Speed | 24-48 Hours | 30-90 Days | 60-120 Days |
| Min. Credit Score | 500 | 680+ | 650+ |
| Documentation | Minimal (4 mo. statements) | Extensive | Very Extensive |
| Collateral Required | Not Required | Usually Required | Often Required |
| Funding Amount | $10K - $2M | $50K - $5M | $25K - $5M |
| Flexible Repayment | Yes - Multiple Options | Fixed Monthly | Fixed Monthly |
| Industry Expertise | Specialized | General | General |
Finance CNC machines, industrial presses, production equipment, packaging systems, and other manufacturing machinery with terms up to 72 months. Equipment serves as collateral for easier approval.
Apply NowFast access to $10,000-$2,000,000 for raw materials, payroll, facility costs, or any business expense. Funding in as fast as 24 hours so you can keep production running.
Apply NowTurn your outstanding invoices into immediate cash. We advance up to 95% of your invoice value within 24 hours. Stop waiting 30-90 days for customer payments and maintain steady cash flow.
Apply NowBorrow against your future revenue with payments that adjust based on your monthly production and sales. Ideal for manufacturers with variable revenue due to order cycles and seasonal demand.
Apply NowMaintain a revolving credit line for ongoing raw material purchases, maintenance, and operational needs. Draw funds as needed and only pay interest on your outstanding balance.
Apply NowIf your manufacturing business processes credit card payments from customers, an MCA provides upfront capital with flexible, automatic daily repayment.
Apply NowSpeak with a funding specialist today. No obligation, no impact on your credit score.