The Pinch Points
Why Cabinet Shops Come to Us Instead of Their Bank
A cabinet shop fronts everything — hardwood, hardware, and crew — weeks before a builder's draw lands. Banks panic at project-based cash flow; our lenders read the contracts. Sound familiar?
$90K Cabinet Job, Pay at Install
You landed a $90K custom cabinet contract for a luxury home. Hardwood and plywood materials cost $25K upfront. The builder pays 50% at install, 50% at completion — 8 weeks out.
Old Router, Costly Rework
Your CNC router is 15 years old and can't hold tolerances on complex joinery. A new Biesse is $95K. Every rework costs $500–$1,000 in wasted material and labor.
3 Restaurants, $180K Contract
A hospitality group wants custom furniture for 3 restaurants — $180K contract over 6 months. You need $50K in materials and $15K in jigs and fixtures before production starts.
Sander Down Mid-Run
Your wide-belt sander's conveyor belt snapped during a $45K millwork run. Replacement parts are $8K and take 10 days. You're hand-sanding to stay on deadline, burning $1,200/day in extra labor costs.
12-Unit Condo, $340K
A builder wants you to do all the cabinetry for a 12-unit condo development — $340K over 9 months. You need to hire two finish carpenters and buy $60K in sheet goods and hardware before the first unit is ready for install.
The Lumber You Buy Before the Job Pays
Hardwood prices move between quote and build, and you front the whole material package weeks before the builder's first draw — eating the swing if the market jumps.
What an operator said
“We won a $520K custom cabinetry contract for a hotel chain but needed a CNC router and edge bander — $190K total. Basecamp found us equipment financing in 5 days. Best investment we ever made.”
Carl B. · Woodworking Shop Owner · Asheville, NC
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 Cabinet & Woodworking Shops
Shop Equipment, Section 179
Finance a CNC router, wide-belt sander, or spray booth with a fraction down and the full first-year write-off — cutting cleaner and faster while it pays for itself.
Front the Hardwood Before the Draw
A working line funds the walnut, plywood, and hardware a custom job takes up front, so a builder's pay-at-install schedule doesn't make you carry materials for weeks.
Scale for the Big Cabinetry Contract
A revolving line funds the crew and sheet goods a multi-unit or hospitality contract needs before the first install, so you take the job your cash alone wouldn't cover.
Replace Aging Machines Before They Cost You
Equipment financing swaps a worn router or sander that's burning material and labor on rework, so the upgrade pays for itself in the waste it stops.
Match Your Situation
The Cash-Flow Gaps We Fund for Cabinet Shops
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 | |
|---|---|---|---|---|
| CNC router acquisition | A CNC router replaces manual cutting, doubles throughput, and enables the complex joinery that commands premium pricing on custom jobs. | Equipment Financing | $95K–$250K | 3–7 days |
| Lumber inventory pre-buy | Walnut and white oak prices swing between quote and build — a custom cabinet job needs hardwood and plywood purchased before the builder's first draw. | Working Capital | $75K–$300K | 1–3 days |
| Dust collection system installation | OSHA compliance, fire codes, and insurance all require a dust collection system — fines start at $15K per violation. | Equipment Financing | $75K–$150K | 3–7 days |
| Finish line equipment upgrades | Spray booths, UV cure systems, and automated sanding lines cut labor costs and improve finish consistency on production runs. | Equipment Financing | $75K–$150K | 3–7 days |
| Large custom order mobilization | A 12-unit condo cabinetry contract requires hiring finish carpenters and buying sheet goods and hardware upfront — payments arrive over 9 months. | Business LOC | $75K–$300K | 1–3 days |
The Products
How Woodworking Financing Is Structured
Most woodworking files fund between $75K and $5M+, structured to the machine, materials, 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 | Hardwood inventory, payroll, contract ramp-up | 1–3 days | Often unsecured, daily/weekly ACH |
| Equipment Financing | $75K–$5M+ | 2yr–10yr | CNC routers, sanders, spray booths | 3–7 days | Equipment serves as collateral |
| Invoice Factoring | $75K–$5M+ | Per invoice | Net-30/60 builder and GC receivables | 1–2 days | Invoices secure the line, no PG typically |
| Business LOC | $75K–$5M+ | Revolving | Lumber, hardware, finishes as jobs come in | 1–5 days | Unsecured line, no PG by default |
Tax Strategy
Section 179 on a CNC Router, Sander, and Spray Booth — 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 5x10 CNC router turns a two-week hand job into a two-day run — that’s capacity you can bid. Put about $10K down on a $100K router and §179 writes off the full $100K the year it’s cutting, a bigger deduction than your cash out. Your CPA models 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 woodworking 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
Woodworking Financing
Fronting the Hardwood Before the First Draw
A CNC router costs $95K. A wide-belt sander runs $40K. And the walnut for that custom kitchen just went up 20% since you quoted the job. That's woodworking. You're fronting $25K in hardwood and plywood before the builder's first draw, cutting material that costs $15 a board foot, and hoping the client doesn't change the door style halfway through. Banks don't understand project-based cash flow. Our 70+ lenders do.
One Application, 70+ Lenders
But here's the real issue — most cabinet shops and millwork companies are still running 15-year-old equipment. The router drifts, you rework the panel, waste $800 in material. A $95K CNC upgrade cuts waste by half and doubles throughput. That's $20K a month in new capacity. Equipment financing with the machine as collateral, a fraction down. Or maybe you need $50K for hardwood inventory on a hospitality contract. Working capital in 24 hours. One application, soft-pull review to start.
Common Questions
Woodworking Financing — Questions, Answered
Equipment financing covers CNC routers, wide-belt sanders, panel saws, and all woodworking equipment 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 lumber, plywood, hardware, and all material purchases. A line of credit is ideal for recurring purchases — draw when you order materials for each job, repay when the customer pays.
Equipment financing for machinery, working capital for build-out, and a line of credit for materials. A $100K shop expansion can be funded through a combination in days, not weeks. Soft-pull review to start.
No. Soft credit pull only — zero FICO impact.
A working line fronts the materials and is repaid as the draws land; soft-pull review to start.
Recommended Funding
The Products That Fit Woodworking Work
Equipment Financing →
Finance CNC routers, wide-belt sanders, and panel saws — the equipment is the collateral.
Working Capital Loans →
Purchase hardwood and plywood inventory for large custom cabinet and millwork contracts.
Invoice Factoring →
Convert net-30/60 builder and GC invoices into cash while you wait on the draw.
Business Line of Credit →
Draw for lumber, hardware, and finishes as custom job orders come in.
Other Manufacturing Sectors