Sound Familiar?
The Demand Is There. Your Capital's in the Wrong Place.
Right now there's a machine on your floor running flat out while orders stack up behind it. A second shift you can't staff because working capital's tight. A materials order you keep pushing because the supplier wants paying before your customer does. None of that is a demand problem — the demand's there. It's capital sitting in the wrong place at the wrong time.
If your production is capped by capital instead of orders — how much of this year's growth are you leaving on the floor?
Bobby’s Take
I talk to shop owners every week who let a profitable PO walk because the materials money wasn't there the week they needed it — the work was real, the timing wasn't. One file reaches the lenders who fund around your production cycle, structures the equipment, the materials, and the working capital together, and brings it back in days. You keep the line running; we'll sort the capital. So picture next quarter with the machine current, the materials covered, the line fully staffed — what does the business produce that it can't right now?
Bobby Friel, Founder, Basecamp Funding · 20+ years in banking and finance
The Real Problems
The Real Problems on Your Floor — and What Solves Each One
| What it costs you | What solves it | Typical range | Speed | |
|---|---|---|---|---|
| Long cash cycles | Materials net-30, produce three weeks, customer pays net-60 — capital locked 90–120 days. Can't start the next run. | Invoice factoring or line of credit | $250K–$5M | 1–2 days |
| Expensive equipment | Aging machines mean higher scrap, lost tolerances, lost contracts. | Equipment financing (asset-secured) | $250K–$5M | Days |
| Raw-material spikes | Steel, resin, aluminum jump with little warning — margin compression or stalled production. | Working capital or line of credit | $250K–$5M | 1–3 days |
| PO fulfillment gaps | A large order needs materials up front; turn it down and you lose the customer. | Purchase order financing | $250K–$5M | Days |
| Facility constraints | Outgrowing the space, or still leasing — capped production or no equity. | Owner-occupied CRE | $250K–$20M+ | Weeks |
| Seasonal surges | Orders triple before revenue catches up — under-produce or over-extend cash. | Revolving line of credit | $250K–$5M | Draw as needed |
| Supply-chain shocks | Supplier fails or tariffs spike — production stops, contracts lost. | Working capital | $250K–$5M | Same day–days |
Larger lines available when revenue, cash flow, and story qualify.
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The Numbers That Matter
Manufacturing Runs on Capital Timing
68%
of manufacturers took significant revenue losses from supply-chain disruption in the past year.
National Association of Manufacturers
45–60 days
of cash is tied up in inventory and receivables for the average manufacturer at any time.
Institute for Supply Management
28%
rise in raw-material costs for mid-size manufacturers since 2021.
U.S. Census Bureau, Annual Survey of Manufactures
Capital Stacking
One File. The Whole Structure.
Most manufacturers need more than one thing at once — the machine, the materials, and the working capital to run both. A bank looks at each piece in isolation and lends to the weakest one. A marketplace structures each piece with the lender who underwrites it best, then stacks them into the number you actually need.
Funded into the full number — not whittled down to whatever one lender felt like approving.
How a $7M automated line gets funded
Need more than equipment alone? The remainder stacks — for the full structure, see commercial financing.
Manufacturers We've Funded
What a Structured File Looks Like
Representative scenarios — illustrative, anonymized figures, not specific client transactions.
Start Here
Find Your Structure in 60 Seconds
Move the slider for your estimated range, then answer three quick questions to lock it in. No documents to start. Soft-pull review — no score impact.
What Happens When You Start
Estimate Your Capital Range
Slide to your annual gross revenue. We size capital off your top line — not your credit score.
Estimated Capital Range
A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.
60 seconds · No obligation · Estimate only
What an operator hears every week
“If you're turning down purchase orders because you can't fund the materials, you don't have a sales problem. You have a financing problem.”
Bobby Friel · Founder, Basecamp Funding
Why Us
Why Manufacturers Fund With Us Instead of Their Bank
The Real Cost
Where Could Your Operation Be Right Now?
The orders you can't run never show up on a term sheet — but every week the capital isn't in place, it compounds. If capital set the pace instead of capping it — where would this place be a year from now?
Structure Your Capital Plan →Tax Strategy
Section 179 + 100% Bonus Depreciation at Scale
If last year was strong and you’re about to write a check to the IRS — stop. Acquire qualifying equipment with as little as 10% down, finance the rest, and write off the full purchase price in year one. Section 179 covers it up to the annual cap; 100% bonus depreciation — made permanent in 2025, with no cap and no income limit — carries the rest.
At the top bracket, that first-year deduction can return meaningful tax savings — and for an established business with strong cash flow, it’s the difference between writing a check to the IRS and putting the same money into your own equipment. Your CPA models the exact numbers for your bracket and structure.
Worked scenario · top bracket · illustrative
You financed the machine and put down a fraction of its price — but you deduct the full price in year one. The write-off is bigger than your down payment, and the equipment keeps working the whole time.
Scales with your numbers
Illustrative only. Actual savings depend on your tax bracket, entity type, state conformity, and CPA guidance. Section 179 and bonus depreciation are elections your CPA makes for your situation; above the Section 179 cap, 100% bonus depreciation carries the balance.
Terms reflect credit, revenue, time in business, and each lender. Every file is unique — see what the desk structures for yours in the 60-second qualifier.
Bobby’s Take
“If you're paying cash for production equipment over $50K, you're doing it the hard way. Finance it, deduct it year one, and keep the cash working in your production cycle.”
Bobby Friel · Founder · 20+ years in banking and finance
Avoid These
5 Funding Mistakes That Cost Manufacturers the Most
Dealer financing usually runs well above competitive rates. Over five years that's real money you didn't need to spend — compare before you sign.
A short-term product on a long-lived machine costs far more than equipment financing built for the asset. Match the product to the purchase, and compare total cost of capital — not the monthly payment.
Buying materials on credit cards quietly eats your margin. A line of credit built for materials costs a fraction of that.
Sixty days on a large invoice is capital you can't deploy. Factoring releases most of it in a day for a modest fee — and keeps the next run moving.
Adding a shift with sixty days of capital means scrambling again on day 61. Fund the full ramp.
Put It to Work
Use Your Capital For
01Equipment & machinerySee howLess“What's the contract you'd say yes to if the machine were already on the floor?”
CNC machines, presses, lasers, automation. The equipment secures the loan, so newer shops qualify on the asset; Section 179 deductible year one.
Structure this02Raw materials & inventorySee howLess“How many production runs are you spacing out because the materials order wants cash before your customer pays?”
Working capital or a line of credit for steel, resin, aluminum, components; lock bulk pricing without draining reserves.
Structure this03FacilitySee howLess“When the lease comes up, are you signing it again — or buying the building this time?”
Owner-occupied CRE; equity in the four walls you produce in, instead of rent.
Structure this04PO fulfillmentSee howLess“What happens to the $400K order if the $120K in materials has to come from cash you don't have free?”
PO financing against the confirmed order, so a great problem doesn't become a missed one.
Structure this05AutomationSee howLess“Could your line put out a second shift's volume without a second shift, if the automation were funded?”
Equipment financing for robotics, ERP, IoT — funded on existing production revenue, no business plan required.
Structure this06WorkforceSee howLess“What could you take on if the second shift were staffed before the revenue lands?”
Working capital for skilled operators and seasonal surges.
Structure this07Supply-chain resilienceSee howLess“If your main supplier failed tomorrow, could you dual-source fast enough to keep the line running?”
Working capital for safety stock and reshoring.
Structure this08Maintenance & repairsSee howLess“When a machine goes down mid-run, how long can the line sit before it costs you the contract?”
Fast working capital for emergency repairs.
Structure this09New product developmentSee howLess“What's the product you'd bring to market first if the tooling and certification were funded?”
Capital for R&D, prototyping, tooling.
Structure this10Debt consolidationSee howLess“What would your monthly cash position look like if the high-cost advances and leases were refinanced into one payment?”
Consolidate now; once payment history is built, the lender's rate-review can improve terms — get funded now, optimize later.
Structure this11Certifications & auditsSee howLess“What contracts open up the day you're ISO or AS9100 certified — and what's the holdup besides the cash to get there?”
Working capital for ISO, AS9100, and ITAR certification, audits, and the quality systems that regulated and aerospace contracts require.
Structure this12AcquisitionSee howLess“Is there a competitor or supplier you'd buy tomorrow if the capital were structured?”
Acquisition financing to absorb a competitor, bring a supplier in-house, or add capacity faster than you could build it.
Structure thisFunding by the Size of the Need
Funded at Every Stage
One application, multiple lenders — and a file read on your production cycle funds in days, whether the need is $250K or $20M+.
How It Works
From Qualifier to Funded in Five Steps
No paperwork avalanche. No bank lobby. No guessing.
Qualify
A few questions about the business, right here. No documents to start.
Application
A soft credit pull and a quick document review to pre-underwrite the file.
Matched to the Right Lenders
The specialist lenders who fund your business - the right lender on each piece.
One Advisor, Real Term Sheets
Your advisor brings back real term sheets, not estimates, and walks the structure.
Structured & Funded
Accept the structure that fits, sign digitally - funded in days, not months.
For the application, have ready
Under two years in business, or the returns show a loss? We can structure on bank statements alone.
Full Transparency
What Kills Your Qualification — and What Doesn't
Most lenders won't tell you this up front. We will.
By Production Type
Funding by Production Type
Every category — click yours for tailored options.
Equipment as collateral, recurring contract revenue — funded around how the work actually runs.
Recommended Products
The Products Manufacturers Fund With
Matched to how production actually runs — and stacked into the full number when one isn't enough.
Equipment Financing
CNC machines, presses, lathes, production-line upgrades — the machine is the collateral.
Working Capital
Materials and production costs before customer payments arrive.
Invoice Factoring
Net-60 invoices into immediate cash for the next run.
Business Line of Credit
Draw to fill large orders, repay as payments clear.
Purchase Order Financing
Fund against confirmed orders when costs exceed cash on hand.
Term Loans
One lump sum for expansion, a second shift, or automation.
FAQs
Manufacturing Financing — Questions Operators Ask
Monthly revenue, time in business, and cash-flow stability are the primary drivers. Credit is one factor, not the only one — many lenders here use revenue-first underwriting, so strong performance can offset a less-than-perfect profile.
Equipment financing for CNC machines, presses, lasers, and automation runs $250K–$5M. The equipment secures the loan, which typically means lower cost and longer terms (6 months–10 years) than unsecured products.
Yes. PO financing covers materials and production for large orders from creditworthy buyers. Land a $400K PO that needs $120K in materials up front, and PO financing bridges the gap.
Yes, especially when your customers are large, credit-strong companies. You receive most of the invoice within a day or two — a modest cost against the opportunity of capital trapped for two months.
Emergency working capital for critical repairs can fund as fast as same day. If a downed machine costs you thousands a day, capital can be in your account within 24 hours.
Yes. With 6+ months of operating history, the equipment serves as collateral. Newer businesses can expect a down payment; revenue history and existing contracts strengthen the file.
A revolving line of credit is usually cheapest for recurring purchases — draw, repay when customers pay, draw again.
No. A soft-pull review has zero impact on your FICO. A hard pull only happens if you choose to move forward with a specific lender's offer.
The Operator's Guide
Manufacturing Financing, the Way the Floor Actually Runs
Why banks misread manufacturing
Here's what banks don't understand about manufacturing: your cash is always somewhere else. In raw materials in the warehouse. In parts on the line. In finished goods on a truck. In an invoice your customer won't pay for 60 days. That's not bad management — that's manufacturing. The lenders here fund around your production cycle, not against it.
Every week I talk to shop owners turning down purchase orders they could fill, because the materials money isn't free and the bank's timeline doesn't fit the order's. That's a financing problem, and it's fixable — usually with one application and the right structure.
Every production type, funded around the work
CNC and machining, metal fab, plastics, electronics assembly, food and beverage, woodworking, textiles, chemical processing, packaging, aerospace components, and automotive parts — every production type, funded around how the work actually runs. Equipment financing with the machine as collateral. Invoice factoring that advances most of the invoice the same week. Owner-occupied CRE so you build equity instead of paying a landlord. The capital matched to the job, then stacked into the full number.
If you're staring at an order you can't afford to fill, if the machine is fifteen years old and losing tolerances, if your customer just moved to net-60 and payroll is every two weeks — start the review. A few minutes, soft-pull, no score impact. Most manufacturers hear back within hours.
