Aerospace manufacturing demands the highest precision, the strictest certifications, and the longest payment cycles in manufacturing. Between AS9100 compliance, $500K+ 5-axis machines, and government contracts that pay net-90 — aerospace manufacturers need patient, serious capital.
This Is Why You're Here
You won a $1.2M defense subcontract. Materials (titanium, Inconel) cost $350K. The prime contractor pays net-90 after inspection. Your bank won’t bridge a 90-day gap at this scale.
AS9100 recertification is due — audits, documentation, and corrective actions total $35K. Losing certification means losing every aerospace customer.
A 5-axis CNC machine would let you take on turbine blade contracts worth $200K/month. The machine is $450K. Your current 3-axis limits you to simpler components.
A prime contractor wants you to take over a legacy landing gear component program — $2.4M annually. You need $140K in Nadcap-certified heat treat equipment and a $55K tool crib buildout. The qualification audit is in 10 weeks and there’s no flexibility on the timeline.
Your EDM machine is producing surface finishes outside spec on turbine disk slots. A new wire EDM is $320K. Every scrapped disk blank costs $4,800 in exotic alloy material alone — and you’ve scrapped three this month.
We won a $1.8M defense subcontract but needed $310K in titanium and Inconel upfront — with net-90 government payment terms. Basecamp set up invoice factoring in 5 days. Cash flow problem solved.
Colonel Dan F. (Ret.), Aerospace Shop Owner, Huntsville, AL
Aerospace & Defense Financing
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Built for Your Business
Defense primes and government contracts pay net-90. That's 3 months with $350K in titanium and labor costs sitting unpaid. Invoice factoring on government receivables gets you 90% in 24-48 hours at the lowest rates available.
Recertification audits, corrective actions, documentation overhauls — $35K in costs that aren't optional. Lose your AS9100 and you lose every aerospace customer. We fund compliance costs in days.
A $450K 5-axis CNC lets you take on turbine blade and structural component contracts worth $200K/month. Equipment financing with the machine as collateral — aerospace-grade equipment holds value and qualifies for premium terms.
Your shop handles controlled defense articles. You can't work with just any lender. We connect you with partners who understand ITAR, classified programs, and the security clearance process.
What You're Up Against
| Challenge | What It Looks Like | Funding Solution | Amount | Speed |
|---|---|---|---|---|
| AS9100 certification and recertification | AS9100 audits, corrective actions, and documentation overhauls cost $25K–$50K — losing certification means losing every aerospace customer overnight | Working Capital | $25K–$50K | 1–3 days |
| Specialty tooling for exotic alloys | Machining titanium and Inconel requires carbide and ceramic tooling that costs 5–10x more than standard — $15K–$40K in tooling per contract | Working Capital | $15K–$50K | 1–3 days |
| Material traceability systems | Aerospace primes require full material traceability — ERP upgrades ($45K), barcode/RFID systems ($20K), and cert management software ($15K) | Working Capital | $30K–$80K | 1–3 days |
| NDT equipment acquisition | Non-destructive testing (X-ray, ultrasonic, dye penetrant) equipment costs $60K–$150K — required for in-house inspection on structural components | Equipment Financing | $60K–$150K | 3–10 days |
| Engineer and specialist recruitment | Hiring GD&T specialists, CNC programmers, and quality engineers at $85K–$130K/year each — staffing up for a $2M+ defense program requires $200K+ in upfront labor costs | Working Capital | $100K–$300K | 1–3 days |
Pricing Transparency
| Product | Amount | Term | Rate | Speed |
|---|---|---|---|---|
| Working Capital | $10K–$2M | 3-18mo | 8-22% APR | 1-3 days |
| Equipment Financing | $10K–$5M | 2-10yr | 5-15% APR | 3-10 days |
| Invoice Factoring | $10K–$5M | Per invoice | 1-3% per 30 days | 1-2 days |
| Business LOC | $10K–$5M | Revolving | 8-24% APR | 1-5 days |
| SBA Loans | $50K–$5M | 10-25yr | 6-10% APR | 30-90 days |
Rates vary by credit, revenue, and time in business. These are typical ranges.
These are industry averages. Your actual rate depends on your revenue, credit profile, and time in business — it could be lower. Run your specific numbers in 30 seconds.
Calculate Your Real Cost →Tax Strategy
| Equipment | Cost | Tax Rate | Deduction | Tax Savings | Net Cost |
|---|---|---|---|---|---|
| 5-Axis CNC Mill (Aerospace Grade) | $450,000 | 40% | $450,000 | $180,000 | $270,000 |
| Wire EDM Machine | $320,000 | 40% | $320,000 | $128,000 | $192,000 |
| Ultrasonic NDT System | $85,000 | 35% | $85,000 | $29,750 | $55,250 |
Finance the equipment. Keep your cash. Take the deduction. Your 5-axis cnc mill (aerospace grade) costs $270,000 after taxes and you never touched your reserves.
— Bobby Friel, Basecamp Funding - Founder
How It Works
No paperwork avalanche. No bank lobby. No guessing.
Answer a few quick questions about your business. No documents needed yet.
We check your options with zero impact on your FICO. Your score stays untouched.
Your profile is matched to 70+ lending partners. They compete - you never hear from them directly.
Your funding specialist presents your best options. No spam calls. No runaround.
Choose the rate and terms that fit. Sign digitally. Funds hit your account - same day available.
Aerospace & Defense Capital Uses
CNC machines, lathes, presses, conveyors, welders. Finance upgrades without draining cash reserves.
Steel, resin, lumber, components. Lock in bulk pricing and fill large orders without cash crunches.
New production lines, warehouse space, cold storage. Scale your footprint to match demand.
Skilled operators, engineers, floor supervisors. Staff up for large contracts and seasonal surges.
Robotics, ERP systems, IoT sensors, AI quality control. Invest in Industry 4.0 without cash strain.
Dual-source suppliers, safety stock, domestic reshoring. Protect against disruptions and tariff exposure.
Full Transparency
Most lenders won't tell you this upfront. We will.
Need commercial insurance for your aerospace & defense business?
Commercial insurance is required for most equipment loans over $50K. InsuranceService365.com covers manufacturers across 29 states.
68% of loan denials happen because of weak financials at time of application. The best time to apply is when your business is performing — not when you're scrambling.
Ready?
Slide the calculator, answer 3 questions, and a specialist pulls your options within the hour.
Click any specialty for tailored financing options.
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Fund raw materials and payroll before customer payment arrives.
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Learn More →Draw for materials and tooling as production orders fluctuate.
Learn More →FAQs
Aerospace is the most capital-intensive manufacturing sector there is. A 5-axis CNC machine costs $450K. Titanium billets run $80 a pound. And the government pays net-90. You win a $1.2M defense subcontract, front $350K in exotic alloys and machining time, and then wait three months for inspection and payment. Your bank can't bridge a 90-day gap at that scale. Ours can. Government invoices qualify for the lowest factoring rates in the market — 1-2% per 30 days — because Uncle Sam always pays.
And then there's certification. AS9100 recertification costs $35K in audits, documentation, and corrective actions. It's not optional — lose it and you lose every aerospace customer overnight. ITAR compliance adds another layer. These aren't expenses most lenders understand. Our 70+ lending partners fund aerospace shops, defense subcontractors, and MRO facilities every week. $30K compliance costs to $2M equipment expansions. One application, 60 seconds, no hard pull.
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