Buy material, tooling and cover payroll while customer invoices clear. Funding sized to your deposits, in as little as 24 hours for qualified shops.
Check My OfferMerchant Cash Advance
Net terms leave job shops waiting on cash they have already earned. An advance based on your deposit history keeps material and payroll moving.
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.
Five-minute application and about three months of statements. Qualified shops can be funded in as little as 24 hours.
FICO 500+ considered with a soft pull to start. Your deposit history weighs heavily.
The offer shows the full repayment amount before you accept. No surprise costs after signing.
How and when remittances are collected is laid out in the offer from the start.
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.
Most job shops know the pattern. A customer sends a purchase order, you buy bar stock or plate, program the job, run it, inspect it and ship it. Then you wait for the invoice to be paid while the next job already needs material and the crew needs a paycheck. A merchant cash advance for machine shops puts a lump sum in your account based on your deposit history, so the next job is not held up by the last one's payment terms.
Landing a large order? Our machine shop big contract funding page goes deeper on funding a ramp-up.
An advance is paid back from future receipts, and the offer spells out exactly how remittances are collected along with the full repayment amount. You review all of it before you accept, and no costs are added after you sign.
Because a shop's deposits often arrive in larger, less frequent chunks than a retail store's, we look at the pattern over roughly three months rather than any single week. That gives a fair picture of a business that gets paid on invoices.
An advance is a strong fit for a defined, near-term need. If your shop needs cash on and off throughout the year, a revolving option may serve you better. Compare both on our line of credit vs. merchant cash advance for machine shops page. For new machines, equipment financing for machine shops is usually the better route.
The application takes about 5 minutes. We start with a soft credit pull and review about three months of business bank statements; no tax returns required. FICO scores from 500 are considered and sole proprietors can apply. Funding ranges from $25,000 to $5,000,000, set mainly by your deposits and existing obligations, and qualified shops can be funded in as little as 24 hours. Start your application.
It shapes your deposit pattern, which we review over about three months. Invoice-driven deposits are normal for job shops, and we read them in that context.
Offers range from $25,000 to $5,000,000, based mainly on average deposits and existing obligations.
Yes. Material for upcoming jobs is one of the most common uses we see from machine shops.
No tax returns are required. About three months of business bank statements and a short application get us started.
We begin with a soft credit pull, which does not affect your score. FICO scores from 500 are considered.
Example uses for illustration only.
These steps can help your shop get a stronger offer.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding