The Pinch Points
Why Textile Mills Come to Us Instead of Their Bank
Textile mills front fiber, yarn, and dye — often prepaid to overseas suppliers — weeks before a single yard ships, and brands pay net-45 to net-60 after delivery. Banks panic at a low balance during peak production; our lenders read the orders. Sound familiar?
50K Yards, $90K Fiber First
A fashion brand ordered 50,000 yards of custom fabric — $300K contract. Raw fiber costs $90K upfront and the brand pays net-45 after delivery. Your current cash can’t cover both production and ongoing orders.
Looms Down, $20K a Week
Your knitting machines need a $35K overhaul. They produce 60% of your output. Every week of downtime costs $20K in delayed orders.
Off-Shade Dye Lot, Fronted Twice
A dye lot comes back off-shade on a 30,000-yard order and the mill won’t re-run it on their dime — you’re fronting the fiber and dye a second time to hold the delivery date, with the brand still paying net-45.
8% Color Reject Rate
Your dyeing equipment is producing inconsistent color batches. A $58K upgrade to a computerized dye system would cut your color reject rate from 8% to under 1%. At current volumes, that’s $6,500/month in wasted fabric and re-dye costs.
Mil-Spec Ripstop, Prepaid Yarn
A military contractor needs 30,000 yards of spec-compliant ripstop fabric — $220K contract. You need $65K in specialty nylon yarn upfront and your supplier requires prepayment because the fiber is a custom blend. The contract pays net-60 after mil-spec inspection.
Two-Season Towel Program
A home-goods retailer wants a private-label towel program — 80,000 units across two seasons. You need $70K in combed-cotton yarn and a $40K upgrade to your hemming and finishing line before the first cut, and they pay net-60 after delivery.
What an operator said
“A fashion brand ordered 15,000 yards of custom-dyed fabric — $220K in raw fiber and dye costs before we'd see a penny. Basecamp got us invoice factoring set up in 3 days. We delivered on time.”
Priya N. · Textile Mill Owner · Greenville, SC
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 Textile Mills
Mill Equipment, Financed
Looms, knitting machines, and computerized dye systems are the mill. Equipment financing funds new or refurbished production machinery as collateral, and Section 179 writes off most of a dye-system or cutting-table install the same year.
Fiber and Yarn, Funded Upfront
Cotton, specialty nylon, and imported yarn are bought and often prepaid before a single yard is woven. A working-capital line, with letters of credit for overseas suppliers, covers the raw fiber so production starts on time.
Seasonal Production Line
A seasonal working line sizes on your production calendar, not a slow-quarter balance — so the next big run is funded before the season turns.
Net-45 Fabric Invoices, Paid Now
Brands and prime contractors take delivery, then pay net-45 to net-60. Invoice factoring converts those fabric invoices to same-day cash so the looms start the next order instead of sitting idle.
Match Your Situation
The Cash-Flow Gaps We Fund for Textile Mills
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 | |
|---|---|---|---|---|
| Industrial sewing machine fleet expansion | Scaling from 10 to 25 industrial sewing stations adds production capacity for contract work — each station compounds throughput on growing programs. | Equipment Financing | $75K–$120K | 3–7 days |
| Fabric inventory for seasonal orders | Fashion brands place spring orders in October — raw cotton, silk, or synthetic fiber must be purchased 4–5 months before payment. | Working Capital | $75K–$150K | 1–3 days |
| Pattern cutting equipment | Automated fabric cutting tables cut material waste from 12% to 3% and increase cutting speed 5x over manual methods. | Equipment Financing | $75K–$120K | 3–7 days |
| Embroidery machine expansion | Multi-head embroidery machines open corporate uniform and promotional product revenue streams worth $15K+/month. | Equipment Financing | $75K–$120K | 3–7 days |
| Quality inspection systems | Automated fabric inspection frames and color-matching spectrophotometers catch defects before cutting — each rejected bolt costs $2K–$5K. | Equipment Financing | $75K–$150K | 3–7 days |
The Products
How Textile Financing Is Structured
Most textile files fund between $75K and $5M+, structured to the equipment, fiber, 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 | Fiber and yarn buys, payroll, order launch | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–10yr | Looms, knitting machines, dye systems | 3–7 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Net-45/60 fabric receivables | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Fiber, dye, and finishing-chemical price swings | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on an Automated Cutting Table — 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
“Hand-cutting is where a textile shop bleeds — slow, and every off-cut is fabric you paid for and threw away. A $98K automated cutting table turns that waste into yield. Finance it with a fraction down and write off the full $98K in year one. The table pays for itself in saved fabric long before your CPA runs the deduction.”
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 textiles 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
Textile Manufacturing Financing
Fronting Fiber and Dye Before the First Yard Ships
Textile manufacturing has a cash gap built into the model. A brand orders 50,000 yards of custom-dyed fabric — that’s combed-cotton yarn and specialty dye bought upfront, often prepaid to overseas suppliers, six weeks of production, then net-45 to net-60 after delivery. You’re deep before you see a check, and if fiber prices moved after you quoted, that’s on you. Banks don’t understand why the account runs low at peak production. Our lenders do, and they fund around the cycle.
One Application, 70+ Lenders
Looms and knitting machines, computerized dye systems, automated cutting tables, letters of credit for imported yarn, and factoring that turns net-45 fabric invoices into same-day cash — the capital that keeps a mill running between orders. We connect you with 70+ lenders who fund textile manufacturers every week. $75K to $5M+. One application, soft-pull review to start.
Common Questions
Textiles Financing — Questions, Answered
Equipment financing covers looms, knitting machines, dyeing equipment, and finishing machinery with the equipment as collateral. Both new and refurbished textile equipment qualify.
Yes. Purchase order financing advances up to 90% of committed orders from creditworthy buyers. If a fashion brand orders $300K in fabric, PO financing covers your production costs while you manufacture.
Working capital and lines of credit cover fiber, yarn, and raw material purchases including imports. Letters of credit are available through our network for international suppliers.
No. Soft credit pull only — zero FICO impact.
PO financing advances against the order to cover raw fiber and dye, and a line of credit (with letters of credit for imported yarn) keeps suppliers paid. Once you deliver, factoring turns the net-45 invoice into same-day cash. A soft-pull review shows terms without touching your credit.
Recommended Funding
The Products That Fit Textiles Work
Equipment Financing →
Finance looms, knitting machines, and dyeing equipment — the equipment is the collateral.
Working Capital Loans →
Purchase raw fiber and yarn inventory for large fabric production orders.
Invoice Factoring →
Convert outstanding fabric order invoices to cash when fashion brands pay net-45.
Business Line of Credit →
Draw for fibers, dyes, and finishing chemicals as production schedules shift.
Other Manufacturing Sectors