The Pinch Points
Why Injection Molders Come to Us Instead of Their Bank
Plastics is high-capital, high-margin — and the cash is always locked in tooling, resin, and parts waiting on PPAP. The OEM pays net-60; your press can't go down. Sound familiar?
Auto OEM, Tooling Before First Shot
An auto OEM awarded you a $500K contract for interior components. Tooling for 4 molds costs $120K before the first shot. The OEM pays net-60 after PPAP approval.
300-Ton Press Down, $15K/Day Lost
Your 300-ton press is down — hydraulic system failure. Repair is $22K, replacement is $180K. The press runs 3 shifts producing $15K/day in parts.
Resin Up 18%, Orders Locked
Resin costs spiked 18% in one month. You have $400K in committed orders at old pricing. You need $70K in extra working capital to honor your quotes and maintain margins.
Hot Runner Failure, $8K/Week Penalties
Your hot runner system failed on a 16-cavity mold running medical device housings. The replacement manifold is $26K with a 3-week lead time, and you're burning $8K/week in late delivery penalties.
$750K Program, Second Press Needed
A consumer electronics brand wants you to mold 200K enclosures over 12 months — $750K contract. You need a second 500-ton press and a mold flow analysis before they'll sign, or the contract goes overseas.
The Tooling Bill Before the First Part
A new program means paying for the mold and tooling up front — months before the first production run ships and pays.
What an operator said
“An automotive OEM awarded us a 3-year contract but we needed a second injection press — $340K. Basecamp matched us with a lender who financed the whole thing on terms that worked. The press paid for itself in year one.”
Tom K. · Plastics Plant Manager · Grand Rapids, MI
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 Plastics and Molding Shops
Molding Equipment, Section 179
Fund injection-molding machines and auxiliary gear with a fraction down and the full first-year write-off — capacity online before the program ramps.
Fund Tooling Up Front
Equipment and term financing cover the mold and tooling up front, so a new OEM program doesn't tie up cash before the parts ship and pay.
A Line for Resin & Runs
A working line buys resin for committed orders at today's price, so a mid-program spike doesn't erase the margin you quoted.
A/R Financing on OEM Terms
Advance against long OEM net-terms invoices so extended terms don't stall your next run.
Match Your Situation
The Cash-Flow Gaps We Fund for Injection Molders
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 | |
|---|---|---|---|---|
| Mold tooling costs | Each new part requires custom steel tooling — a 16-cavity medical device mold runs deep into six figures before the first shot is fired. | Equipment Financing | $75K–$300K | 3–7 days |
| Resin inventory pre-buy | Petrochemical-linked resin prices spike 15–25% without warning — pre-buying locks in pricing on committed orders. | Business LOC | $75K–$300K | 1–3 days |
| Injection press acquisition | Adding a 500-ton press opens capacity for large OEM contracts worth $500K+/year in recurring production revenue. | Equipment Financing | $200K–$500K | 3–7 days |
| Prototype development costs | Prototype molds, mold flow analysis, and PPAP documentation for OEM qualification stack up before production revenue begins. | Working Capital | $75K–$300K | 1–3 days |
| Temperature control system upgrades | Inconsistent mold temps cause warpage — a new chiller and TCU system cuts reject rate from 6% to under 1%. | Equipment Financing | $75K–$150K | 3–7 days |
The Products
How Plastics and Molding Financing Is Structured
Most plastics and molding files fund between $75K and $5M+, structured to the press, 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 | Resin spikes, tooling, PPAP qualification | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–10yr | Injection presses, mold tooling, chillers | 3–7 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Net-60 OEM receivables after PPAP | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Resin, colorants, and additives as prices move | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on an Injection Press, Mold Tooling, and Chiller — 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
“An OEM hands you a three-year program, then asks if you have the press to run it. A $205K injection-molding machine is the answer — put a fraction down and §179 writes off the full cost the year it’s running parts, more deduction than your cash out. Your CPA confirms the bracket.”
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 a plastics & molding 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
Plastics and Molding Financing
Cash Locked in Tooling, Resin, and PPAP
An injection press costs $200K–$500K. Mold tooling runs $15K–$100K per part. And resin prices move with the petrochemical market — up 18% in a month, no warning. That's plastics manufacturing. Your cash is always locked up in tooling, resin inventory, and parts sitting on a dock waiting for an OEM to approve PPAP. Banks don't understand why your account balance is low when you're running three shifts. Our lenders do.
One Application, 70+ Lenders
Here's what kills plastics shops — you win a $500K OEM contract, tooling costs $120K, the first resin order is $80K, and the customer pays net-60 after PPAP approval. That's $200K out the door before you see a penny, and your press better not go down during the run. We connect you with 70+ lenders who fund injection molders, blow molders, and thermoformers every week. One application, soft-pull review to start.
Common Questions
Plastics & Molding Financing — Questions, Answered
Equipment and inventory financing front the tooling and resin against your revenue and the program, repaid as parts ship; soft-pull review to start.
Equipment financing covers injection presses with the machine as collateral — a fraction down, sized to the equipment, your credit, and time in business. Both new and used presses qualify. Soft-pull review to start.
Yes. Working capital and equipment financing cover mold tooling. If the tooling is for a specific contract, purchase order financing can also advance funds against the committed orders.
A revolving line of credit provides a buffer against raw material price swings. Draw extra when resin spikes, repay when pricing stabilizes or contracts reprice. Working capital also funds in about 24 hours for urgent material needs.
Either. Equipment financing covers the press and the mold (a fraction down, full Section 179 write-off); a working line covers resin and the run.
No. Soft credit pull only — zero FICO impact.
Recommended Funding
The Products That Fit Plastics & Molding Work
Equipment Financing →
Finance injection presses, auxiliary equipment, and mold tooling — the equipment is the collateral.
Working Capital Loans →
Cover resin cost spikes and fund tooling for new OEM contracts.
Invoice Factoring →
Convert net-60 OEM invoices into immediate cash to keep production running.
Business Line of Credit →
Draw for resin, colorants, and additives as material prices fluctuate.
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