The Pinch Points
Why Electronics Assemblers Come to Us Instead of Their Bank
Electronics assembly fronts everything — long-lead chips, PCB substrates, and machine time — months before a customer pays net-60. Banks panic at the low balance; our lenders read the POs. Sound familiar?
50K-Unit Contract, Up for Grabs
A contract manufacturer dropped your client. You can pick up their 50K-unit/month PCB assembly contract. But you need $100K in component inventory and a $65K reflow oven before production starts in 4 weeks.
Lead Times Doubled to 20 Weeks
Component lead times went from 8 weeks to 20 weeks. You need to pre-order $80K in ICs and passives now to avoid production delays on committed orders.
AOI Missing Defects
Your AOI machine is missing defects. A new system is $45K. Every defective board that ships costs $200 in rework and warranty claims.
$1.2M/Year, Clean Room First
A medical device startup awarded you a 3-year assembly contract worth $1.2M annually. You need to build a dedicated clean room assembly cell — $92K in equipment and modifications — before the FDA audit in 8 weeks.
Feeders Jamming, $175K at Risk
Your pick-and-place machine's feeder bank is failing. Half your feeders jam every shift. A full feeder replacement kit is $38K. Without it, your placement rate drops 40% and you can't hit delivery dates on three active contracts worth $175K combined.
The Reorder You Can't Float
A customer doubles next quarter's volume, but the components have to be on order before the PO revenue lands — so the growth comes straight out of your cash.
What an operator said
“Lead times on ICs hit 26 weeks. We had to pre-order $180K in components to lock pricing for a medical device contract. Basecamp got us working capital in 2 days — saved us $45K in price increases.”
Janet W. · Electronics Assembly CEO · San Jose, CA
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 Electronics Assembly Shops
SMT & Test Equipment, Section 179
Finance pick-and-place machines, reflow ovens, and AOI systems with a fraction down and the full first-year write-off — capacity and inspection online before the contract ramps.
Pre-Buy Components Ahead of Lead Times
A working line funds long-lead IC and passive orders before prices climb, so a 20-week lead time doesn't stall a committed build.
Fund New Assembly Contracts
PO and inventory financing covers the components and line setup a new high-volume contract needs up front, repaid as boards ship — so you take the program instead of passing it.
Bridge the 120-Day Cash Cycle
Buy components, build for weeks, ship, then wait net-60 — A/R financing advances against those invoices so the next run starts without your capital locked up for four months.
Match Your Situation
The Cash-Flow Gaps We Fund for Electronics Assemblers
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 | |
|---|---|---|---|---|
| Component shortage pre-buy | IC lead times stretch to 20–26 weeks — pre-ordering chips and passives locks in pricing and avoids production shutdowns on committed orders. | Working Capital | $75K–$300K | 1–3 days |
| Pick-and-place machine acquisition | A high-speed SMT pick-and-place machine doubles placement capacity from 15K to 30K components per hour on a growing contract base. | Equipment Financing | $120K–$250K | 3–7 days |
| Testing equipment upgrades | AOI systems, ICT fixtures, and flying probe testers catch defects before shipment — each defective board shipped costs $200 in rework and warranty. | Equipment Financing | $75K–$150K | 3–7 days |
| RoHS compliance requirements | Lead-free soldering transition requires new reflow ovens, wave solder upgrades, and process revalidation across all product lines. | Working Capital | $75K–$150K | 1–3 days |
| PCB assembly line expansion | A new contract for 50K units/month requires a dedicated SMT line — conveyor, printer, pick-and-place, reflow, and AOI. | Equipment Financing | $300K–$500K | 3–7 days |
The Products
How Electronics Assembly Financing Is Structured
Most electronics assembly files fund between $75K and $5M+, structured to the equipment, components, or contract 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 | Component pre-buy, payroll, contract launch | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–10yr | Pick-and-place, reflow ovens, AOI systems | 3–7 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Net-30/60 customer receivables | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Component price swings, passives, substrates | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on an SMT Line, Reflow Oven, and AOI System — 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 pick-and-place line is the difference between bidding high-volume board builds and losing them to the shop across town with the faster cycle. Put a fraction down on a $160K SMT line and §179 writes off the full cost the year it’s placing boards — more than you put down. Your CPA runs the number.”
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 electronics assembly 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
Electronics Assembly Financing
Fronting Components Before the First Board Ships
Electronics assembly has the worst cash cycle in manufacturing. You're pre-ordering $80K in ICs with 20-week lead times, buying $30K in PCB substrates, running production for 3 weeks, shipping, and then waiting net-60 for payment. That's 4+ months with your capital completely locked up. Banks see a low account balance and say no. Our lenders see a full production schedule and committed POs. And they fund around that reality.
One Application, 70+ Lenders
And the component shortage made everything worse. Chips that cost $2 last year cost $8 now. Lead times doubled. If you don't pre-order, you miss delivery dates. If you do pre-order, you need $100K–$200K in working capital you didn't budget for. We connect you with 70+ lenders who fund electronics assemblers every week. Pick-and-place machines, reflow ovens, AOI systems, component inventory. $75K to $5M+. One application, soft-pull review to start.
Common Questions
Electronics Assembly Financing — Questions, Answered
Equipment financing covers pick-and-place machines, reflow ovens, wave soldering, and AOI systems with the equipment as collateral — sized to your revenue and time in business. Soft-pull review to start.
Yes. Working capital and lines of credit cover component purchases with no restrictions. A line of credit is ideal for fluctuating inventory needs — draw when you need to pre-order components, repay when finished goods ship and customers pay.
Purchase order financing advances funds against committed orders. Working capital covers immediate setup costs. Equipment financing handles any new machinery required. A multi-product approach can fund a new contract launch in 1–2 weeks.
No. Soft credit pull only — zero FICO impact.
A working line or PO financing fronts the components against the committed order, repaid as boards ship; soft-pull review to start.
Recommended Funding
The Products That Fit Electronics Assembly Work
Equipment Financing →
Finance pick-and-place machines, reflow ovens, and AOI systems — the equipment is the collateral.
Working Capital Loans →
Pre-order components with extended lead times and fund new contract launches.
Invoice Factoring →
Convert net-30/60 customer invoices into immediate cash for component purchases.
Business Line of Credit →
Draw for ICs, passives, and PCB substrates as component pricing shifts.
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