This Is Why You're Here
Why Metal Fabrications Come to Us Instead of Their Bank
Your plasma cutter is maxed out at 1-inch plate. A fiber laser cutter ($250K) would let you take on $80K/month in jobs you currently turn away. The ROI is 18 months.
Steel prices jumped 12% this quarter. Your $150K in outstanding bids were quoted at old prices. You need $40K in extra material capital to absorb the increase and honor your quotes.
A GC awarded you a $600K structural steel package for a commercial building. Fabrication materials cost $180K upfront. The draw schedule starts 45 days after you deliver.
Your press brake operator just quit and you've got $220K in committed bending work over the next 6 weeks. Hiring and training a replacement plus overtime for your remaining crew costs $28K you didn't budget for.
A municipal water authority wants you to fab 200 custom stainless handrail sections — $140K job. The 316 stainless alone is $52K and your supplier wants COD because you're a new account with them.
Steel jumped 18% and we had $420K in committed bids at old prices. Basecamp lined up $95K in working capital in 48 hours. We honored every quote and kept our reputation.
Dave R., Fab Shop Owner, Pittsburgh, PA
Metal Fabrication Financing
Get Your Metal Fabrication Business Funded in 60 Seconds
Slide the calculator to see your estimated approval range. Then answer 3 quick questions to lock it in. No documents needed. Soft-pull pre-qual.
See What You Could Qualify For
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
Soft-pull pre-qual · No obligation · Estimate only
Built for Your Business
Why Metal Fabrication Businesses Choose Basecamp
Steel Price Spikes Won't Sink You
Hot-rolled steel jumps 15% overnight and you've got $400K in committed bids at old prices. A credit line lets you buy material now and protect your margins instead of eating the loss.
We Bridge GC Draw Schedules
You deliver structural steel on day one. The GC's draw schedule pays you on day 45. That $180K gap kills fab shops. We fund it in 48 hours so your welders stay busy.
Equipment Breakdowns Don't Stop You
When your fiber laser goes down mid-run and the repair quote is $35K, you can't wait three weeks for a bank. We fund emergency equipment repairs in 24-48 hours.
Bid Bigger Without the Cash Risk
That $600K structural package needs $180K in plate and tube upfront. PO financing covers your material costs so you can bid on jobs your cash position alone wouldn't allow.
Bobby's Take
Bobby's Playbook for Metal Fabrication
Most metal fabrication shop owners walk into a bank and get steered toward general commercial real estate financing or generic equipment loans. What banks miss is that a $300K press brake plus laser cutter plus job-shop working capital plus shop-floor expansion usually needs three different products from three specialists, not one generalist loan. Capital stacking changes the math. Here's how to position your transaction so the right specialists see it first.
Three things determine whether a metal fabrication transaction closes: equipment utilization rate, customer concentration in your job-shop mix, and the resale value of the press brake or laser. Not your personal FICO. Not your time in business. Specialist metal fab lenders care about whether your monthly job-shop revenue supports a $4,500-$8,000/month payment over 5-7 years — and whether your equipment portfolio holds enough resale value to underwrite the loan against the iron itself.
The biggest mistake metal fabrication operators make: applying without showing the job-shop backlog. The lender sees trailing 4 months of bank statements and assumes that's the run rate, missing the $400K in signed POs queued for the next quarter. The fix: produce a backlog summary showing committed jobs for the next 90 days. Specialist metal fab lenders price contracted backlog as recurring revenue. Generalist lenders only credit what already cleared the bank.
industrial-fab contract revenue ceded without press capacity
Where this gets interesting at scale: a metal fab shop adding a press brake, expanding into laser cutting, or buying a second building for warehousing doesn't need ONE loan. They need equipment financing for the new equipment + a working capital line for steel inventory + invoice factoring on the longer-paying contractor and OEM accounts + sometimes a SBA 504 for a building purchase. Four products, multiple lenders, one application — that's how single-equipment metal fab shops scale into multi-modality job shops.
The metal fabrication operators who scale fastest aren't the ones who waited until the next contractor approached them. They're the ones who had press-brake or laser-cutting capacity ready when a contractor asked for an additional run. Turning down a $300K-per-year industrial-fab job because you can't add equipment is revenue going to a competitor with the iron in their shop. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your metal fabrication business this week.
Bottom line:
Metal fab shops lose contractor expansions by having the wrong iron in the shop. A specialist prices the press portfolio against the resale market — banks just see retail equipment and underwrite conservatively.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Metal Fabrications Face
Pricing Transparency
What Metal Fabrication Funding Actually Costs
Rates and terms depend on credit, revenue, time in business, and lender. Every business is unique — see what 70+ lenders will offer you in 60 seconds. Soft-pull pre-qual.
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
Section 179 Breakdown for Metal Fabrications
Finance the equipment. Keep your cash. Take the deduction. Your fiber laser cutter costs $210,000 after taxes and you never touched your reserves.
Bobby Friel
Founder, Basecamp Funding
How It Works
From Application to Funded in 5 Steps
No paperwork avalanche. No bank lobby. No guessing.
60-Second Intake
Tell us about your shop, what you produce, and monthly revenue. No P&L upload yet.
Soft Credit Screen
We screen options with no impact on your FICO or your supplier credit lines.
Manufacturing-Specialty Lenders Compete
70+ lenders who fund CNC shops, fabricators, and assemblers review your file in parallel.
One Specialist, Multiple Term Sheets
Your funding specialist walks through equipment finance, working capital, and PO/invoice structures.
Choose Your Offer, Sign, Get Funded
E-signature. Capital lands in time to keep production on schedule and POs flowing.
Metal Fabrication Capital Uses
What Metal Fabrication Businesses Use Funding For
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.
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
Need commercial insurance for your metal fabrication business?
Commercial insurance is required for most equipment loans over $50K. InsuranceService365.com covers manufacturers across 29 states.
Don't Wait Until You Need Funding to Get Funded
Manufacturing revenue is concentrated — a few large customers, net-30/60 terms, raw materials due upfront. The shops that scale steadily funded equipment and working capital BEFORE the big PO landed. By the time you're scrambling for a $200K CNC down payment, the customer is already shopping a competitor. Pre-qualify when production is steady.
Ready?
See What Your Metal Fabrication Business Qualifies For
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
Soft-pull pre-qual · No obligation · Estimate only
Other Manufacturers Specialties We Fund
Click any specialty for tailored financing options.
Recommended Products
Recommended Funding for Metal Fabrication Businesses
Working Capital
Fund raw materials and payroll before customer payment arrives.
Learn More →Equipment Financing
Finance CNC machines, presses, and production equipment — asset-backed.
Learn More →Invoice Factoring
Convert net-30/60/90 invoices into same-day cash.
Learn More →Business Line of Credit
Draw for materials and tooling as production orders fluctuate.
Learn More →FAQs
Metal Fabrication Business Loan FAQs
Metal Fabrication Loans & Fab Shop Financing — $10K to $20M+
A fiber laser costs $250K. A press brake runs $150K. And your steel supplier doesn't care about your draw schedule — they want payment on delivery. That's the reality of running a fab shop. You're fronting $100K-$200K in plate, tube, and angle before the first weld gets laid. Banks look at that and panic. Our 70+ lenders look at your POs, your production history, and your customer base. Big difference.
Here's what I see every week — a fab shop lands a $600K structural package from a GC. Materials cost $180K. The GC pays on a draw schedule starting 45 days after delivery. The shop owner has two choices: turn down the job or find capital fast. That's where we come in. Equipment financing with the equipment as collateral. Working capital in 24 hours. Invoice factoring that turns your net-60 receivables into same-day cash. One application. 60 seconds. Soft-pull pre-qual.
Stop Letting Raw Material Costs Outpace Customer Payments. Get Your Metal Fabrication Operation Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide