INDUSTRY SOLUTIONS
Capital to Keep Your Production Line Moving
Manufacturing demands heavy upfront investment in raw materials, machinery, labor, and facility costs, long before finished goods generate revenue. We provide fast, flexible funding so you can maintain production schedules, fill large orders, and invest in growth.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Credit
All credit profiles considered
Use
Materials, equipment, labor & more
THE CHALLENGE
The Cash Flow Gap Between Production and Payment
Manufacturing has one of the longest cash conversion cycles of any industry. You purchase raw materials weeks or months before production begins. You pay labor and overhead throughout the production process. And once the finished product ships, you often wait another 30 to 60 days for your customer to pay. That's months of capital invested before a single dollar comes back.
Growth makes the problem worse, not better. A large new order should be exciting, but it also means committing to raw materials, additional shifts, and production capacity before you've been paid for the last batch. Without available capital, the biggest opportunities become the biggest cash flow risks. For a closer look at this squeeze, our article on manufacturing order backlogs covers why booked work strains cash and how to plan for it.
At Monera Capital, we've funded job shops, contract manufacturers, food producers, packaging companies, and custom fabricators. Long production cycles are the norm here, and we structure funding around the realities of manufacturing cash flow.
How Manufacturers Use Our Funding
Raw Materials & Supplies
Purchase steel, plastics, chemicals, textiles, components, or other raw materials in bulk to lock in pricing and meet production schedules.
Machinery & Equipment
Buy or upgrade CNC machines, presses, welders, assembly line equipment, and production tools to increase output capacity.
Labor & Payroll
Cover payroll for production workers, machinists, quality inspectors, and support staff, especially when scaling up for a large order.
Large Order Fulfillment
Accept and fulfill large purchase orders that would otherwise strain your cash flow. Fund production now, collect payment later.
Facility Expansion
Expand your production floor, add warehouse space, or upgrade your facility to handle increased output and new product lines.
Technology & Automation
Invest in automation, robotics, ERP systems, or quality control technology to improve efficiency and reduce per-unit costs.
Funding Solutions for Manufacturers
We offer multiple products designed for the capital-intensive realities of manufacturing.
Working Capital Loans
Fast capital for raw materials, payroll, and operational costs during production cycles. Bridge the gap between spending and getting paid.
Learn MoreEquipment Financing
Finance machinery, production equipment, and tools with terms up to 60 months. The equipment itself serves as collateral.
Learn MoreAR Factoring
Turn outstanding invoices from completed orders into immediate cash instead of waiting 30 to 60 days for customer payments.
Learn MoreBusiness Loans
Lump-sum capital for facility expansion, major equipment investments, or scaling production to meet growing demand.
Learn MoreWhy Manufacturing Companies Choose Us
We've funded job shops, contract manufacturers, food and beverage producers, packaging companies, and custom fabrication businesses. We know long production cycles, raw material costs, the cash flow gap between production and payment, and what a new CNC machine or press calls for in equipment financing.
Apply Now- We understand manufacturing production cycles
- Equipment financing with terms up to 60 months
- AR factoring for outstanding customer invoices
- Approval in 4–8 hours
- Dedicated advisor who knows manufacturing
- All credit profiles considered
Simple Requirements to Get Started
If your manufacturing business has been operating for at least 6 months and generates $10,000 or more in monthly revenue, you're likely a fit.
6+ Months
In Business
$10K+
Monthly Revenue
All Credit
Profiles Welcome
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Manufacturing Funding FAQs
What can manufacturers use funding for?
Manufacturers use funding for raw materials and supplies, machinery and equipment, labor and payroll, large order fulfillment, facility expansion, and technology and automation. Amounts run from $10,000 to $500,000.
How can a manufacturer fund a large order before the customer pays?
A big order often means buying materials and adding labor months before payment arrives. Working capital funds that production cycle, and AR factoring on outstanding customer invoices frees up cash you've already earned. Equipment financing covers machinery with terms up to 60 months.
Can manufacturers qualify for funding?
Most manufacturers qualify with at least 6 months in business and $10,000 or more in monthly revenue. All credit profiles are considered, so a perfect credit score isn't required.
How much funding can manufacturers get?
Funding ranges from $10,000 to $500,000, based on your revenue and the needs of your business.
How fast can manufacturers get funded?
Most applications are reviewed and approved within 4 to 8 hours, not the weeks a traditional bank can take.
Can manufacturers get funding with bad credit?
Quite possibly. All credit profiles are considered, so past credit challenges don't automatically disqualify your business.
What funding options are available for manufacturers?
We offer multiple products, including business loans, working capital, business lines of credit, equipment financing, SBA loans, and revenue-based financing, and match you with the option that best fits your situation.
Insights
Reading for Manufacturing Owners
Manufacturing Cash Flow in 2026: When Orders Outrun Cash
Factory order backlogs have grown in 23 of the last 24 months while new orders fall. Why booked work strains cash, and how manufacturers can plan for it.
Read Article
Machinery Financing vs. Working Capital: What Each Buys
A new machine can be funded on its own collateral over five years, or bought with unsecured cash that also covers freight, install, and the payroll around it.
Read Guide
Half of Small Businesses Can't Find Qualified Workers
More owners tried to hire in June, and half reported few or no qualified applicants. What the worker shortage means for growth and where funding helps.
Read Article