The Pinch Points
Why Auto Parts Suppliers Come to Us Instead of Their Bank
Auto parts suppliers front tooling and raw steel months before PPAP clears and the Tier 1 pays net-60 — and one missed window drops you off the supplier list. Banks worry about the sector; our lenders read the signed programs. Sound familiar?
$800K Award, Net-60 After PPAP
A Tier 1 supplier awarded you a $800K annual contract for stamped brackets. Tooling costs $60K and raw steel for the first 3 months is $120K. They pay net-60 after PPAP approval.
Four-Hour Changeovers
Your stamping press needs a $40K die changeover system to reduce setup times from 4 hours to 30 minutes. Every hour of changeover is $1,500 in lost production.
$30K Scrap, Re-Run Now
Quality rejected a batch — $30K in scrap. You need to re-run the order immediately and cover the material and labor costs while you dispute the original material spec.
EV Battery Trays, Bank Says No
An EV startup wants you to stamp battery tray components — $1.1M annual program. Progressive dies cost $185K and they need first articles in 12 weeks. Your bank won’t touch an EV startup contract. But the POs are signed and the volume is real.
CMM Down Mid-PPAP
Your CMM broke during a PPAP submission. A replacement coordinate measuring machine is $62K. Without it, you can’t submit dimensional reports and your Tier 1 customer puts your $450K program on hold — with penalties starting at week 3.
ITAR Cell Before First Article
A defense subcontractor needs ITAR-compliant machined housings — $700K over two years — but qualification requires a $55K marking-and-traceability system and a dedicated cell you’ll stand up before the first article. Their schedule starts in 10 weeks.
What an operator said
“We needed $160K in stamping dies for a new Tier 1 program launching in 90 days. Basecamp connected us with equipment financing — approved in a week. That program now does $1.2M/year.”
Mike J. · Auto Parts Manufacturer · Toledo, OH
Start Here
See Your Range in 60 Seconds
No credit check, no documents to start, and an estimated funding range on the spot. No one contacts you until you’re ready to move forward.
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
Built for the Trade
What We Fund for Auto Parts Suppliers
Presses and Dies, Financed
Stamping presses, progressive dies, and weld cells are the program. Equipment financing funds them with the equipment as collateral, and Section 179 writes off the bulk of a new die set or press the year it runs.
Tooling and Steel Before PPAP Pays
A new OEM program demands tooling and raw steel months before approval clears and the first check lands. Working capital fronts the program launch so a signed award doesn’t drain your operating account.
OEM Programs, Funded on the PO
Signed OEM and EV-startup purchase orders are real volume even when a bank won’t touch the customer. PO financing advances against the program so you build to schedule and bill on delivery.
Net-60 OEM Receivables, Advanced
Tier 1 and Tier 2 customers pay slow and rigid. Invoice factoring turns net-60 automotive receivables into cash so raw material for the next release is on the floor on time.
Match Your Situation
The Cash-Flow Gaps We Fund for Auto Parts Suppliers
Match your situation to the structure. Every one of these funds on your revenue, not a perfect credit file.
| What It Looks Like | Funding Solution | Amount | Speed | |
|---|---|---|---|---|
| Stamping die costs for new programs | Progressive dies for stamped brackets and housings are due before PPAP approval and net-60 payment terms — the program launch lands before the first check. | Equipment Financing | $75K–$200K | 3–7 days |
| Robotic welding cell installation | A robotic welding cell replaces 3 manual welders, improves consistency, and meets Tier 1 weld quality requirements on high-volume programs. | Equipment Financing | $120K–$200K | 3–7 days |
| JIT inventory pressure | OEM just-in-time schedules require raw steel and aluminum maintained on-hand — stockout penalties run $5K–$10K per line-stop incident. | Business LOC | $80K–$200K | 1–3 days |
| Quality system upgrade for IATF 16949 | IATF 16949 certification requires CMM equipment, SPC software, and lab upgrades — losing certification means losing OEM contracts. | Working Capital | $75K–$120K | 1–3 days |
| Line retooling for new model year | OEM model year changes require new fixtures, gauges, and die modifications — with an 8-week deadline and no schedule flexibility. | Equipment Financing | $100K–$300K | 3–7 days |
The Products
How Auto Parts Financing Is Structured
Most auto parts files fund between $75K and $5M+, structured to the equipment, tooling, or program in front of you. Larger lines available when revenue, cash flow, and story qualify.
| Amount | Term | Best For | Funding Speed | Typical Structure | |
|---|---|---|---|---|---|
| Working Capital | $75K–$5M+ | 6mo–10yr | Tooling, raw steel, program launch | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–10yr | Stamping presses, dies, weld cells | 3–7 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Net-60 OEM receivables | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Steel and aluminum price swings, JIT stock | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a Progressive Stamping Die Set — Worked
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
“A Tier-1 program lives or dies on the tooling — you build the $188K stamping dies months before PPAP clears and the OEM's net-60 even starts. Section 179 was built for exactly this: 10% down, finance the balance, and the whole $188K is a first-year write-off — more deduction than you put down. The program won and the tax bill cut, same year.”
Bobby Friel · Founder · 20+ years in banking and finance
How It Works
From Application to Funded
One application, 70+ lenders competing, a dedicated specialist, and most files funded in days.
60-second estimate
Enter your numbers — no credit check, no documents. You see an estimated funding range on the spot.
A specialist is assigned
A real funding specialist — not an algorithm — reviews your file, usually within 24 hours.
70+ lenders compete
Your application goes to the marketplace. Competing offers typically land 24–48 hours later.
You pick the offer
Compare structures and terms with your advisor. No obligation until you choose to sign.
Funded in days
From same-day working capital to a multi-piece stack, most files fund in days — not the bank’s 60–90.
Underwriting
What Underwriting Looks At
Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.
How you’re evaluated
Revenue-first
sized off your top line, not just your balance sheet.
Cash-flow driven
your bank statements show how the business really runs.
Bank-statement underwriting
even a down year is read off 4 months of statements.
Story-driven
a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.
What to have ready
↳Had a loss year? It’s read off the bank statements — 4 months, not 6.
Start fast, finish complete
The operators who fund quickest come to the specialist review with these ready — but you don’t need all of it to start. Your signed application and bank statements are what unblock the review; the rest can follow as trailing docs. Real term sheets come once the lenders can see a true business overview, so the move is simple: get the application and statements in right away, and don’t let a missing tax return hold up your term sheets.
Credit, straight
Qualification
Who Gets Funded — and Who’s Not Ready Yet
A straight read saves everyone time — here’s the line between an automotive parts file that funds and one that isn’t ready yet.
↳Time in business is a factor, not a gate — newer crews with strong revenue still qualify.
Not ready yet isn’t a no — it’s a checklist. Most of it is fixable in a quarter or two, and your advisor will tell you straight which gaps to fix before a file goes in.
The Operator's Guide
Auto Parts Manufacturing Financing
Carrying a Program Before PPAP Clears
Auto parts manufacturing runs the most unforgiving supply chain in the country. You win an $800K annual program, spend the front money on tooling and raw steel, then wait 60 to 90 days for PPAP approval and the first payment — all while existing production still has to be funded. Miss one delivery window and you’re off the supplier list. Banks see sector volatility. Our lenders see signed OEM contracts and predictable release volume, and they fund around the program.
One Application, 70+ Lenders
Stamping presses, progressive dies, weld cells, die-changeover systems, raw-material bridges, and factoring on net-60 OEM receivables — the capital that keeps a Tier 2 or Tier 3 supplier on schedule. We connect you with 70+ lenders who fund auto parts makers every week. $75K to $5M+. One application, soft-pull review to start.
Common Questions
Automotive Parts Financing — Questions, Answered
Equipment financing for stamping presses, CNC machines, and forming equipment ranges from $75K to $5M+ with the equipment as collateral. Your rate depends on the equipment type, your credit, and time in business. Request a soft-pull review to see your actual terms.
Yes. PO financing advances up to 90% of committed OEM purchase orders. This covers raw materials, tooling, and production costs while you manufacture and ship. OEM contracts from recognized auto companies qualify for stronger terms.
Equipment financing and working capital both cover tooling. Some OEMs reimburse tooling separately — invoice factoring can accelerate that payment from net-60 to 24–48 hours.
No. Soft credit pull only — zero FICO impact.
Working capital fronts the tooling and PO financing advances against the signed program to cover raw steel during the build. Once you're shipping and invoicing, factoring turns those net-60 OEM invoices into cash. A soft-pull review shows terms with no FICO impact.
Recommended Funding
The Products That Fit Automotive Parts Work
Equipment Financing →
Finance stamping presses, CNC machines, and die changeover systems — the equipment is the collateral.
Invoice Factoring →
Convert net-60 OEM invoices to immediate cash while waiting on Tier 1 payments.
Working Capital Loans →
Fund tooling costs and raw materials for new automotive program launches.
Business Line of Credit →
Draw for steel, aluminum, and components as OEM production schedules shift.
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