Manufacturing margins live and die by cash flow timing — raw materials in, finished goods out, customers paying 30/60/90 days later. Merchant Fund Express funds U.S. manufacturers fast, with honest terms and a real human reviewing every file.
Lock in steel, aluminum, copper or plastic resin pricing before lead times stretch — finance the order, repay as you ship.
Equipment financing for new and used machine tools, CNC mills/lathes, press brakes, injection molders, and robotic cells.
A signed purchase order from a real customer is fundable. We can advance against it so you can produce without draining your cash.
Sell your A/R to us at a discount and get paid in 24 hours instead of waiting net-60. Especially useful for shops selling to big OEMs.
Add a second shift, expand square footage, or open a second location with working capital you can repay as revenue ramps.
Even profitable shops hit cash gaps. A short-term advance covers payroll while you wait on a big check.
| Product | When it fits |
|---|---|
| Working Capital Loan | Fixed payments, terms up to 24 months. Best for predictable use of funds with a clear repayment plan. |
| Equipment Financing | Up to 60 months on the equipment itself. Often easier to qualify for than a general loan because the gear is collateral. |
| Invoice Factoring | Sell your invoices, get 80-90% upfront, the rest minus fee when your customer pays. |
| Revenue-Based Financing | Fixed daily/weekly ACH tied to revenue patterns. Faster than a term loan, no factor-rate trap. |
| Line of Credit | Draw what you need, only pay on what you use — ideal for variable inventory or raw material purchases. |
We fund $5,000 to $5,000,000 depending on revenue, time in business and use of funds. Typical manufacturing deals land between $50K and $750K.
Working capital and revenue-based financing are unsecured. Equipment financing is collateralized by the equipment itself. We do not require personal real estate as collateral on our standard products.
Most of our equipment financing reports to business credit only. We confirm credit reporting before you sign.
Yes. We finance both new and used equipment, including from auctions and used-machinery dealers.
Decisions in 2-4 hours, with same-day funding possible once docs are signed. Equipment deals take a day or two longer because we verify the asset.