Steel prices jumped 40% overnight. We needed $200K for raw materials to fill a contract we couldn't lose. Basecamp Funding funded us in 36 hours. We kept the contract and the customer.
— Rick T. . Metal Fabrication . 22 Employees . Cleveland, OH
Real Results
We’ve Funded Manufacturers Like Yours
The Purchase Order
A custom metal fab shop in Chicago landed a $400K PO from an auto parts manufacturer. Raw materials cost $150K. The bank said 3 weeks minimum. The PO deadline was 2 weeks. PO financing through our network funded $160K in 5 days — materials ordered, production started on schedule.
$160K funded → 5 days → $400K PO delivered on time
The CNC Machine
A machine shop in Houston needed a $200K 5-axis CNC to take on aerospace work. Equipment financing with the machine as collateral — 0% down, funded in 7 days. Section 179 deduction at a 40% tax rate saved $80K in year-one taxes. Net cost: $120K for a machine generating $15K/month in new revenue.
$200K CNC → $80K tax savings → paid for itself in 8 months
The Cash Cycle Trap
An electronics manufacturer buys components net-30, production takes 3 weeks, shipping 1 week, and the customer pays net-60. That’s 120+ days with capital locked up. Invoice factoring: submit the invoice day one, receive 90% within 24 hours. The next production run starts immediately instead of waiting 4 months.
Invoice factoring → 90% in 24 hours → zero production delays
The Facility Purchase
A plastics manufacturer in Ohio had been leasing their building for 8 years. Purchase price: $750K. SBA 504 loan: 10% down ($75K) instead of the 25% ($187K) a traditional bank required. Monthly payment was $800 less than rent. They’re building equity instead of paying a landlord.
$750K facility → 10% down → $800/month less than rent
The Seasonal Surge
An HVAC equipment manufacturer sees orders triple every spring. $200K in materials needed before Q2 revenue catches up. A revolving line of credit draws what’s needed in February, pays back from April-June sales. Same cycle every year — the credit line is always there.
$200K LOC → seasonal bridge → zero missed production windows
The Equipment Breakdown
A stamping press failed at 2pm on a Wednesday. Every hour the line was down cost $1,000 in lost output. Repair estimate: $35K. Emergency working capital approved by 4pm, funded Thursday morning. Press was back online by Friday. Total downtime: 2 days instead of the 3 weeks the bank needed.
$35K funded → 1 day → saved $8K/day in lost production
Industry Data
The Numbers That Matter
68% of
manufacturers experienced significant revenue loss from supply chain disruptions in the past year
— National Association of Manufacturers
The average manufacturer has 45-60 days of cash tied up in inventory and receivables at any given time
— Institute for Supply Management
Small and mid-size manufacturers report a 28% increase in raw material costs since 2021
— U.S. Census Bureau Annual Survey of Manufactures
See What You Qualify For
Find Out What You Qualify For in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. No credit impact.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Your Application Gets Matched Across 70+ Lending Partners Including
Multiple lenders compete for your business — you pick the best offer
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, Basecamp Funding - Founder
Real Challenges
The Real Challenges Manufacturers Face (And How Funding Solves Each One)
| Challenge | What It Looks Like | What It Costs You | Funding Solution | Typical Amount | Speed |
|---|---|---|---|---|---|
| Long cash cycles | Buy materials net-30, produce 3 weeks, ship, customer pays net-60. Capital locked 90-120 days | Can’t start next production run, turn down POs, miss growth | Invoice factoring or LOC | $50K–$5M | 1–2 days |
| Expensive equipment | CNC machines $100K-$500K, presses $50K-$300K, automation $200K-$2M | Outdated equipment = higher scrap rates, lost tolerances, lost contracts | Equipment financing (machine is collateral) | $25K–$5M | 3–10 days |
| Raw material costs | Steel, resin, aluminum prices spike 20-40% with little warning | Margin compression or delayed production waiting for prices to drop | Working capital or LOC | $25K–$500K | 1–3 days |
| PO fulfillment gaps | Land a $400K order but need $150K in materials upfront | Turn down the PO = lose the customer. Accept it unfunded = cash crisis | PO financing or working capital | $50K–$2M | 3–7 days |
| Facility costs | Rent increases, need more space, opportunity to buy the building | Outgrow space = cap production. Keep leasing = no equity | SBA 504 loan (10% down) | $250K–$5M | 30–60 days |
| Seasonal demand surges | Orders triple in Q1/Q2 but revenue doesn’t catch up until Q3 | Under-produce = lose customers. Over-extend = cash crisis | Revolving line of credit | $50K–$500K | Pre-approved, draw as needed |
| Supply chain disruptions | Primary supplier fails, tariffs spike, shipping delays | Production stops, customers leave, contracts lost | Emergency working capital | $25K–$500K | Same day–3 days |
Need commercial insurance for your manufacturing operation? Our partner InsuranceService365.com covers manufacturers across 29 states.
Found your scenario? See what you qualify for — 60 seconds, no credit pull.
Every week without funding in place is a week you're exposed. The next equipment failure, the next cash flow gap, the next opportunity you can't move fast enough on — you want capital ready before you need it. Pre-qualifying takes 60 seconds and doesn't affect your credit.
Check My OptionsNo hard credit pull · No obligation · 60 seconds
CNC spindle failed Tuesday. $45K funded Thursday. Machine back online Monday. That's a $32K revenue save.
Why Us
Why Manufacturers Choose Us Over Banks
We built our process around the way manufacturers actually operate — not the way banks wish you did.
We Understand Net-60 Payment Terms
You ship product today and get paid in 60 days. Banks don't bridge that gap. Our lenders underwrite against your confirmed purchase orders and receivables.
Raw Material Spikes Don't Derail You
Steel prices jump 40% overnight and you need $200K for materials now. Our lenders move fast enough to lock in pricing before your margin disappears.
We Fund Equipment Without Appraisals
Equipment lenders need quotes, appraisals, and 4 weeks of underwriting. We provide capital you can deploy to any machine, any vendor, same day.
Supply Chain Disruptions Won't Stall You
When your primary supplier fails, you need capital to dual-source immediately. Our lenders fund fast enough to keep your production line running.
Seasonal Cycles Don't Trigger Declines
Q1 production ramp-up means heavy spend before Q2 revenue arrives. Banks see negative cash flow. Our lenders see a normal manufacturing cycle.
Automation Investments Don't Need a Business Plan
Adding robotics or upgrading to CNC means six-figure investments. Banks want ROI projections. Our lenders fund based on your existing production revenue.
Free Tool
What Can Your Manufacturer Qualify For?
Enter your monthly revenue, time in business, and industry to see your estimated approval range and recommended products. No credit pull.
Avoid These
5 Funding Mistakes That Cost Manufacturers the Most
"Financing equipment through the dealer"
Dealer financing on a $200K CNC machine is typically 3-5% higher than competitive rates. Over 5 years, that's $25K-$50K in unnecessary interest.
"Using working capital for equipment purchases"
Working capital at 1.3 factor rate for a $100K machine costs $130K over 12 months. Equipment financing at 9% APR over 5 years costs $124K total with monthly payments half the size.
"Ignoring raw material financing options"
If you're buying $50K/month in steel, aluminum, or resin on credit cards at 22%, that's $11K/year in interest. A line of credit at 12% cuts that in half.
"Not factoring outstanding invoices"
Waiting 60 days for payment on $200K in invoices costs you $200K in opportunity. Invoice financing at 2% per 30 days costs $8K but keeps your production running.
"Underfunding expansion"
Adding a second shift with only enough capital for 60 days means scrambling again at day 61. Budget for 6 months of ramp-up costs.
Our bank didn't understand why we needed $280K in equipment with only $180K in monthly revenue. Basecamp did.
The Difference
Why Manufacturers Choose Basecamp Over Their Bank
| Your Bank | Basecamp Funding | |
|---|---|---|
| Understands production cycles? | "Your cash flow is inconsistent" | We underwrite around net-60/90 terms and seasonal production cycles |
| PO financing speed? | 3-4 weeks minimum | 3-7 days — fast enough to meet PO deadlines |
| Equipment financing? | 25% down, 6-8 weeks to process | Equipment is collateral, 0-10% down, funded in 3-10 days |
| Understands inventory cycles? | "Why do you need $200K in materials for a $400K order?" | That’s manufacturing. We fund around your production math. |
| Application process | Full financials, projections, business plan | 60 seconds, minimal documents |
| Credit pull | Hard pull (hurts your score) | Soft pull (no impact) |
| If they say no | You’re stuck — and you lost the PO | 69 other lenders still competing for your business |
Funding by Shop Size
How We Fund Manufacturers at Every Stage
🔧Small Shop / 1-10 Employees
Common Needs
Working capital, equipment financing
24-48 hours
Precision Machine Works, 6-person shop in Ohio — needed $45K for a replacement spindle and tooling package after their main CNC went down. Bank said 3 weeks. Funded in 48 hours.
🏭Mid-Size Manufacturer / 10-50 Employees
Common Needs
Line of credit, equipment financing, working capital, SBA
24-72 hours
Apex Plastics, 28-employee injection molding shop — $280K equipment line for 3 new injection presses. Dealer financing quoted 14%. Funded at 8.5% through our equipment specialist network.
💎Large Manufacturer / 50-500+ Employees
Common Needs
SBA loans, term loans, large equipment financing
1-3 weeks for complex financing
Midwest Metal Fabrication, 120 employees — $4.2M for an automated welding line and facility expansion. SBA 504 with 10% down. Closed in 24 days.
Funding Built for Your Operation
Whether you're a 5-person job shop or a 200-person production facility, we match you with the right product and amount.
Growing Businesses
$10K – $1M
Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.
See What You Qualify For →Established Businesses
$1M – $5M
Structured financing with capital stacking. Dedicated commercial specialist. Multiple lenders optimized for your transaction.
Talk to a Commercial Specialist →Commercial & Complex
$5M – $10M+
Complex transactions. Multi-lender capital stacks. Acquisitions, commercial real estate, fleet buildouts. Dedicated commercial team.
Request a Financing Review →Pricing Transparency
What Manufacturing Funding Actually Costs
Most lenders hide the real cost behind jargon. Here's what businesses actually pay.
| Product | Typical Amount | Term | Cost Range | Speed to Fund | Best For |
|---|---|---|---|---|---|
| Working Capital | $10K-$500K | 3-18 months | 1.1-1.4 factor rate | 1-3 days | Payroll, raw materials, overhead |
| Equipment Financing | $25K-$5M | 6 mo - 10 yrs | 5-15% APR | 3-10 days | CNC, presses, lasers, automation |
| Business Line of Credit | $10K-$5M | Revolving | 8-24% APR | 1-5 days | Raw materials, supplies, tooling |
| SBA Loan | $50K-$5M | 5-25 years | 6-10% APR | 30-60 days | Facility purchase, large equipment |
| Invoice Factoring | $10K-$5M | Per invoice | 1-3% per 30 days | 1-2 days | Net-30/60/90 receivables |
| Term Loan | $50K-$2M | 6 mo - 10 yrs | 7-25% APR | 2-7 days | Expansion, second shift, automation |
Rates and terms vary by credit profile, revenue, and time in business. These are typical ranges for manufacturers in our network.
Real Numbers
What Manufacturing Funding Actually Costs
| Scenario | Product | Amount | Rate | Term | Monthly Payment | Total Cost | Net Cost After §179 |
|---|---|---|---|---|---|---|---|
| CNC machine purchase | Equipment financing | $200,000 | 8% APR | 5 years | $4,055 | $243,300 | ~$163,300 (40% tax rate) |
| Raw material PO bridge | Working capital | $150,000 | 15% APR | 12 months | $13,535 | $162,420 | N/A |
| Invoice factoring (net-60) | Invoice factoring | $200,000/month | 2% per 30 days | Per invoice | $4,000/cycle | ~$48,000/year | N/A |
| Facility purchase (SBA 504) | SBA 504 loan | $750,000 | 6.5% APR | 25 years | $5,063 | $1,518,900 | N/A |
| Emergency press repair | Working capital | $35,000 | 18% APR | 6 months | $6,120 | $36,720 | N/A |
| Automation line upgrade | Equipment financing | $500,000 | 7% APR | 7 years | $7,536 | $633,024 | ~$433,024 (40% tax rate) |
These are real numbers from real funding scenarios in our network. Your rate depends on your credit profile, revenue, and time in business.
Tax Strategy
Section 179: The Tax Deduction Every Manufacturer Should Know
Section 179 lets you deduct the FULL purchase price of qualifying equipment in the year you buy it. Not depreciated over 5-7 years. The full amount, year one.
2026 limit: over $1.16 million.
Here's what that means in real dollars:
| Equipment | Cost | Your Tax Rate | Section 179 Deduction | Tax Savings | Net Cost |
|---|---|---|---|---|---|
| 5-axis CNC machine | $200,000 | 40% | $200,000 | $80,000 | $120,000 |
| Injection molding press | $150,000 | 35% | $150,000 | $52,500 | $97,500 |
| Laser cutter | $85,000 | 40% | $85,000 | $34,000 | $51,000 |
| Automated welding system | $120,000 | 35% | $120,000 | $42,000 | $78,000 |
| ERP + shop floor system | $45,000 | 35% | $45,000 | $15,750 | $29,250 |
Finance the equipment. Keep your cash. Take the deduction. Your $120K excavator costs you $72K after taxes and you never touched your reserves.
Bobby's take: If you’re paying cash for production equipment over $50K, you’re doing it wrong. Finance it, deduct it year one, and keep that cash working in your production cycle.
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Application
Answer a few quick questions about your business. No documents needed yet.
Soft Credit Check
We check your options with zero impact on your FICO. Your score stays untouched.
Lenders Compete Behind the Scenes
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
One Specialist, Multiple Offers
Your funding specialist presents your best options. No spam calls. No runaround.
Pick Your Offer & Get Funded
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Use Your Capital For
How Manufacturers Use Basecamp Funding
Equipment & Machinery
CNC machines, lathes, presses, conveyors, welders. Finance upgrades without draining cash reserves.
Raw Materials & Inventory
Steel, resin, lumber, components. Lock in bulk pricing and fill large orders without cash crunches.
Facility Expansion
New production lines, warehouse space, cold storage. Scale your footprint to match demand.
Workforce & Hiring
Skilled operators, engineers, floor supervisors. Staff up for large contracts and seasonal surges.
Technology & Automation
Robotics, ERP systems, IoT sensors, AI quality control. Invest in Industry 4.0 without cash strain.
Supply Chain Resilience
Dual-source suppliers, safety stock, domestic reshoring. Protect against disruptions and tariff exposure.
Debt Consolidation
Refinance high-cost MCAs, equipment leases, or credit cards into one manageable payment.
Maintenance & Repairs
Emergency breakdowns don't wait. Fund critical repairs to keep production lines running.
New Product Development
R&D, prototyping, tooling, certifications. Bring new products to market ahead of competitors.
Landed a $600K PO but needed $150K in raw materials upfront. Funded in 4 days. Delivered on time.
Full Transparency
What Kills Your Qualification (And What Doesn't)
Most lenders won't tell you this upfront. We will.
These Won't Stop You
These Can Be Deal-Breakers
Before You Apply
What to Have Ready
Having these speeds up your approval. Don't have everything? Start anyway — we'll guide you.
4 months of bank statements
PDF download or online banking credentials
Business checking account
Must be a dedicated business account
Valid business license or EIN
Proof your business is registered
Government-issued ID
Driver's license or passport
Outstanding debt details
Existing loans, MCAs, or credit lines
Approximate monthly revenue
Doesn't need to be exact
See What You Qualify For
See What You Qualify For. No Credit Impact. No Obligation.
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Recommended Products
Recommended Loan Products for Manufacturers
The most popular funding types for manufacturers businesses. Each links to a detailed product page.
🏭Equipment Financing
Finance CNC machines, presses, lathes, and production line upgrades.
View Product Details →💰Working Capital Loans
Purchase raw materials and cover production costs before customer payments arrive.
View Product Details →📄Invoice Factoring
Convert net-60 invoices into immediate cash to fund the next production run.
View Product Details →🏦Business Line of Credit
Draw funds to fill large orders and repay as customer payments clear.
View Product Details →Purchase Order Financing
Fund against confirmed purchase orders when materials and production costs exceed your cash reserves.
View Product Details →Upgraded our entire packaging line for $320K. Bank wanted 90 days of due diligence. Basecamp closed it in 8 days. We were running the new line before the bank would have finished reviewing our application.
Needed $75K for a replacement injection molder. Our old one died mid-run on a 50,000-unit order. Funded next day. Kept the contract and the customer.
The Next Supply Chain Shock Shouldn't Shut Down Your Line
68% of manufacturers saw revenue drop from supply chain disruptions. Material costs spike without warning. Customers pay net-60 while your suppliers want COD. A pre-approved credit line costs nothing until you draw — but it's there when you need to move fast on materials, equipment, or a contract you can't lose.
No credit impact · No obligation · 60 seconds
By Trade
Manufacturing Funding by Production Type
| Trade | Common Funding Need | Typical Amount | Why This Trade Qualifies Well |
|---|---|---|---|
| CNC / Machine Shop | CNC machines, tooling, raw materials, skilled operators | $25K–$2M | High-value equipment as collateral, recurring POs |
| Metal Fabrication | Welders, press brakes, laser cutters, raw steel | $25K–$5M | Equipment holds value, contract revenue |
| Plastics / Injection Molding | Injection presses, mold tooling, resin inventory | $50K–$5M | Equipment is collateral, large customer contracts |
| Electronics Assembly | SMT lines, testing equipment, component inventory | $25K–$2M | Growing demand, contract manufacturing revenue |
| Food / Beverage Manufacturing | Processing equipment, cold storage, compliance upgrades | $50K–$5M | Essential industry, recurring wholesale orders |
| Woodworking / Millwork | CNC routers, planers, dust collection, lumber inventory | $25K–$1M | Custom work premium pricing, equipment as collateral |
| Textile / Apparel | Cutting tables, sewing machines, fabric inventory | $25K–$1M | Contract manufacturing, seasonal demand |
| Chemical Processing | Reactors, storage tanks, compliance equipment | $100K–$5M | High barriers to entry, recurring industrial orders |
| Packaging | Packaging lines, labeling equipment, material inventory | $25K–$2M | Essential service, recurring customer base |
| Aerospace Components | Precision CNC, inspection equipment, certifications | $100K–$5M | Premium pricing, long-term contracts, high margins |
| Medical Device | Clean room equipment, testing systems, FDA compliance | $100K–$5M | High margins, growing market, regulatory moat |
| Automotive Parts | Stamping presses, CNC lathes, inspection systems | $50K–$5M | Large OEM contracts, recurring volume |
Financing by Manufacturing Type
Every production category. Click yours for tailored options.
Need commercial insurance for your manufacturers business?
Our sister company InsuranceService365.com covers manufacturers businesses across 29 states.
FAQs
Manufacturing Business Loan FAQs
David H.
Manufacturer | Chicago, IL
Got a $400K purchase order I couldn’t fill without raw materials. PO financing through Basecamp saved the contract and doubled my revenue that quarter.
Production Doesn't Stop. Your Capital Shouldn't Either.
60 seconds. No credit impact. No obligation.
See What You Qualify ForNo hard credit pull · Free to check · Nationwide
Manufacturing Business Loans & Equipment Financing — $10K to $10M+
Here’s what banks don’t understand about manufacturing — your cash is always somewhere else. It’s in raw materials sitting in the warehouse. It’s in parts on the production line. It’s in finished goods on a truck. It’s in an invoice your customer won’t pay for 60 days. That’s not bad management. That’s manufacturing. Our lenders get that. They fund around your production cycle, not against it.
I talk to shop owners every week who are turning down purchase orders because they can’t fund the materials. A $400K PO that needs $150K in raw materials upfront — the bank says 3 weeks, the deadline is 2 weeks. So the PO goes to a competitor. That’s not a sales problem. That’s a financing problem. And it’s fixable with one 60-second application.
CNC machine shops, metal fabricators, plastics manufacturers, electronics assemblers, food and beverage producers, woodworkers, textile companies, chemical processors, packaging operations, aerospace component manufacturers, medical device companies, automotive parts suppliers — we fund every production type. $35K emergency press repairs. $150K raw material bridges. $200K CNC machines. $500K automation lines. $750K facility purchases. Equipment financing from 5% APR. Invoice factoring with 90% same-day advance. SBA loans with 10% down.
If you’re staring at a purchase order you can’t afford to fill — fill out the application. If your CNC machine is 15 years old and losing tolerances — fill out the application. If your customer just moved to net-60 and your payroll is every two weeks — fill out the application. 60 seconds. No credit impact. Most manufacturers hear back within hours.