This Is Why You're Here
Why Woodworkings Come to Us Instead of Their Bank
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.
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.
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.
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.
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.
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 at 7.2% in 5 days. Best investment we ever made.
Carl B., Woodworking Shop Owner, Asheville, NC
Woodworking Financing
Get Your Woodworking 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 Woodworking Businesses Choose Basecamp
Hardwood Costs Hit Before the Deposit
A $90K custom cabinet job needs $25K in walnut and plywood upfront. The builder pays 50% at install, 50% at completion. That's 8 weeks of float. We fund material purchases in 24-48 hours.
Old Routers Cost More Than New Ones
Your 15-year-old CNC router wastes $500-$1,000 per rework on bad cuts. A $95K Biesse pays for itself in reduced waste and doubled output. Equipment financing with the router as collateral — 0-10% down.
Hospitality Contracts Need Scale Capital
A hotel chain wants custom furniture for 3 locations — $180K contract. Materials, jigs, and fixtures cost $65K before production starts. We fund the ramp-up so you can take contracts your cash alone won't cover.
Dust Collection Isn't Optional Anymore
OSHA compliance, fire codes, insurance requirements — a $20K-$40K dust collection system isn't a luxury. We fund compliance upgrades fast enough to avoid fines and shutdowns.
Bobby's Take
Bobby's Playbook for Woodworking
Most woodworking and cabinetry 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 $200K CNC router plus finishing line plus material inventory plus lumber-yard storage 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 woodworking transaction closes: equipment utilization rate, your customer mix (contractors, multifamily developers, hospitality), and the resale value of the CNC, edgebander, or finishing equipment. Not your personal FICO. Not your time in business. Specialist woodworking lenders care about whether your monthly contract revenue supports a $3,500-$6,500/month payment over 5-7 years — and whether your equipment holds resale value to underwrite the loan against the iron.
The biggest mistake woodworking operators make: applying without showing the contractor or developer-account backlog. Lenders see trailing 4 months and underwrite to that. The fix: produce a backlog summary showing the cabinets, doors, or millwork queued for the next 90-120 days. Specialist woodworking lenders price contracted backlog as recurring revenue. Generalist lenders only credit what already cleared the bank.
developer cabinetry contract revenue lost without CNC capacity
Where this gets interesting at scale: a woodworking shop adding a CNC router, expanding finishing capacity, or buying a second building doesn't need ONE loan. They need equipment financing for the new equipment + a working capital line for hardwood and sheet-good inventory + invoice factoring on the longer-paying contractor and developer accounts + sometimes a SBA 504 for the building. Four products, multiple lenders, one application — that's how single-line woodworking shops scale into multi-line cabinetry-and-millwork operations.
The woodworking operators who scale fastest aren't the ones who waited until the next developer contract was signed before adding capacity. They're the ones who had CNC or finishing capacity ready when a multifamily developer asked for an additional project. Turning down a $250K-per-year cabinetry contract because you can't add equipment is revenue going to a competitor. Run the numbers in 60 seconds — see what 70+ specialist lenders will offer your woodworking business this week.
Bottom line:
Woodworking shops lose multifamily contracts by hiding the developer backlog. Show 90-day committed jobs — that's the contracted forward revenue a specialist prices, the part banks won't credit.
Bobby Friel
Founder, Basecamp Funding
What You're Up Against
The Real Challenges Woodworkings Face
Pricing Transparency
What Woodworking 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 Woodworkings
Finance the equipment. Keep your cash. Take the deduction. Your cnc router (5x10) costs $57,000 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.
Woodworking Capital Uses
What Woodworking 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 woodworking 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 Woodworking 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 Woodworking 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
Woodworking Business Loan FAQs
Woodworking & Cabinet Shop Loans — $10K to $20M+
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.
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, 0-10% down. Or maybe you need $50K for hardwood inventory on a hospitality contract. Working capital in 24 hours. One application, no hard pull.
Stop Letting Raw Material Costs Outpace Customer Payments. Get Your Woodworking Operation Funded Today.
60 seconds. Soft-pull pre-qual. No obligation.
See What You Qualify For →Soft-pull pre-qual · Free to check · Nationwide