Cover rent, payroll and machine payments while orders are light, so your trained crew is still in place when releases pick back up.
See My OptionsMachine Shop Slow-Season Funding
Customer shutdowns and program gaps come and go. Your lease and your best machinists should not have to. Funding helps you hold steady through the dip.
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 about three months of bank statements. Qualified shops can be funded in as little as 24 hours.
FICO scores of 500 and up are considered, with your deposit pattern weighed alongside.
Your offer shows the full amount you will repay before you accept. Nothing gets added after you sign.
The repayment schedule is laid out in the offer, so you can plan it against your expected order flow.
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.
Machine shops rarely get a smooth year. Customers pause orders at year-end to manage their own inventory. A key account finishes a program and the replacement part number is months away. Plant shutdowns in summer or around the holidays slow down release schedules. Meanwhile your lease, utilities, machine payments, insurance and core payroll stay right where they were.
Slow-season funding for machine shops gives you cash to carry those fixed costs so you are not forced to lay off trained people or sell capacity you will need when orders return.
A slow stretch is often the best time to do what a busy shop never gets around to. Owners use the cash and the open spindle hours to:
If you know roughly how long the slowdown lasts, working capital gives you a set amount to plan around. A business line of credit works well when you are not sure how long it will last and want to draw only what you use. Our line of credit vs. merchant cash advance comparison goes into the tradeoffs.
A dip in deposits does not hide the rest of your year. Funders look at your recent statements and the overall pattern of your business, along with existing obligations. Applying before the slowest weeks, while deposits still reflect normal activity, gives the clearest picture. Our machine shop cash flow guide covers planning for those cycles.
The application takes about 5 minutes and starts with a soft credit pull. Send roughly three months of business bank statements, and no tax returns are needed. FICO 500+ is considered. Your offer shows the full repayment amount and schedule before you accept. Start here.
Ideally before the slow period deepens. Applying while recent deposits still show normal activity gives funders a clearer picture of the shop.
Yes. Retaining trained operators through a quiet stretch is one of the most common uses.
Talk with us before you accept an offer about your expected timeline. A line of credit can give more flexibility when the length of a slowdown is uncertain.
We do not state a hard minimum. Our products are built for established businesses with steady deposits.
Funding ranges from $25,000 to $5,000,000, sized mainly on your deposits and current obligations.
Example uses for illustration only.
A little planning makes slow seasons easier on a shop.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding