Draw for material, tooling, repairs or overtime when jobs land. Apply in 5 minutes with a soft pull and about three months of statements.
See My LimitBusiness Line of Credit
Released orders, broken spindles and rush prototypes rarely line up neatly. A line of credit keeps cash ready for whichever comes first.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Apply in about 5 minutes with three months of statements. Qualified shops can draw in as little as 24 hours.
FICO 500+ considered with a soft pull to start. Deposits and obligations drive the limit.
Your offer spells out the full repayment amount before you accept, with no surprise costs after signing.
How draws are repaid is laid out in the offer, so you can match it to customer payment terms.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Job shop cash needs come in waves. One month a customer releases a big blanket order and you need material fast. The next month a spindle bearing goes and the machine is down. Then a new prospect wants first-article parts on a tight timeline. A business line of credit for machine shops gives you a limit you can draw on as each need appears, so you are not starting a new application every time the floor changes direction.
| Need | Why a line helps |
|---|---|
| Material for a released order | Draw the amount, repay as the customer pays |
| Unexpected machine repair | Funds available without a new application |
| First-article or prototype work | Cover setup and tooling before production pays |
| Overtime during a crunch | Draw for a few pay periods only |
For broken machines, also see machine shop equipment repair funding.
If your need is one defined amount, a merchant cash advance for machine shops may be simpler. If you expect to need cash several times a year at unpredictable moments, a line usually fits better. Many shops keep a line open as a backstop and only draw when a job or a repair calls for it.
Your limit depends mainly on your average monthly deposits and the obligations already drawing from your account. Our products range from $25,000 to $5,000,000. We review about three months of business bank statements and start with a soft credit pull. FICO scores from 500 are considered, no tax returns are required, and sole proprietors can apply.
Your offer shows the full repayment amount and how draws are repaid, all before you accept. No costs appear after you sign. Once the line is set up, qualified shops can access funds in as little as 24 hours.
For illustration, a shop might draw for a material order in March, repay as that customer's invoices clear, and draw again in August when a CNC lathe needs a new turret. The unused balance stays available in between. Apply for a line of credit in about 5 minutes.
Equipment financing is built around buying a specific machine. A line of credit is a flexible limit for recurring needs like material, tooling, repairs and payroll.
Mainly your average deposits and existing obligations. Consistent customer payments into one business account help us size the limit.
Yes. That is the main advantage of a line. You draw for a specific need and repay according to the schedule in your offer.
We start with a soft credit pull, so checking your options does not affect your score.
Yes. Sole proprietors can apply as long as the shop is established with steady deposits into a business account.
Example uses for illustration only.
These habits tend to support a stronger limit.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding