Material, tooling and payroll come due long before net-60 invoices clear. We help established shops bridge that gap with $25,000 to $5,000,000.
Get StartedMachine Shop Cash Flow
New part numbers mean new material and tooling. Apply in about five minutes with three months of statements and see your full repayment amount up front.
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.
No tax returns. Three months of bank statements gets the review started, and qualified shops can be funded in as little as 24 hours.
FICO 500+ considered. Steady deposits from repeat customers matter.
The offer lists your total repayment amount, with no surprise costs added once you sign.
The repayment schedule is in the offer, so you can plan around net 30 to net 60 customer payments.
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.
A job shop buys bar stock, programs the part, runs setups, inspects, ships, and then waits. Customers often pay on net 30, 45 or 60, and some OEMs stretch longer. During that whole stretch you have already paid for material, tooling, machinists' wages and the power to run the spindles. That is why machine shops cash flow problems usually show up during growth, not during slow periods.
| Cost | Why it hurts timing |
|---|---|
| Raw material | Paid up front, sometimes with minimum buys |
| Tooling and inserts | Constant, and spikes on new part numbers |
| Payroll | Weekly or biweekly, regardless of receivables |
| Machine repairs | A spindle rebuild or controller failure stops revenue |
Add a large new order and the gap between paying out and getting paid can widen fast.
When a big order is the reason cash is tight, our big contract funding page explains how shops cover material and labor before the customer pays. If you are adding a machine, see equipment financing for machine shops.
Add the days material sits before a job runs, the days the job is on the floor, and the days until the customer pays. That number is how long your money is tied up on each order. Shortening any one piece, like ordering material closer to the run date, frees cash without borrowing.
We work with established shops that have steady deposits. Funding ranges from $25,000 to $5,000,000. Expect a five-minute application, a soft credit pull to start, about three months of business bank statements, and no tax returns. FICO 500+ is considered. Qualified shops can be funded in as little as 24 hours.
Your offer spells out the total repayment amount and schedule before you accept, so you can compare it against your receivables calendar. Apply now to see what fits.
Yes. Long receivable cycles are normal in manufacturing. We look at deposit consistency over roughly three months, so steady customer payments help even when terms are long.
Yes. Covering material and labor on a big job is a common reason shops apply. The repayment schedule is in your offer, so you can line it up with when the customer pays.
Equipment financing is built for machinery purchases. Working capital is more flexible for material, payroll or repairs. Many shops use each for its own job.
No tax returns are required. About three months of business bank statements and a short application are the starting point.
Yes. Sole proprietors can apply as long as the business has steady deposits.
Example uses for illustration only.
Small process changes make a shop's cash flow easier for any funder to read.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding