Industry expertise
Manufacturing Business Loans for Machinery and Working Capital
From a new CNC machine to raw material costs and payroll between purchase orders, TrustFi helps manufacturers get the working capital they need.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how manufacturers actually run
Manufacturing runs on heavy equipment that isn't cheap to buy or maintain. A CNC machine, an injection mold, or a new production line can cost more than most shops keep in reserve, and downtime on a single piece of equipment can stall an entire production run. Raw materials, from steel and resin to specialty components, often need to be purchased in bulk to get workable pricing, tying up cash well before finished goods ship out the door. TrustFi helps manufacturers fund equipment, materials, and facility upgrades without stalling a production run.
Manufacturers often front the cost of materials and labor on a purchase order weeks or months before a customer pays on net-60 or net-90 terms, especially when supplying larger retailers or industrial buyers. A single large order can strain cash flow even though it's good news for the business, since materials, overtime labor, and shipping all have to be paid before the invoice does. Demand can also swing with a customer's own seasonal cycle, leaving slower stretches between big orders. TrustFi financing helps manufacturers take on larger orders and cover payroll without waiting on payment terms to catch up.
What we hear
The cash-flow pressures you know too well
Equipment Downtime Halts Production
A single failed CNC machine, injection mold, or conveyor system can stall an entire production run, and repair or replacement costs often can't wait for the next capital budget cycle without losing orders to a competitor.
Purchase Orders Are Paid Before You're Paid
Materials, overtime labor, and shipping for a large purchase order all have to be paid before a customer settles a net-60 or net-90 invoice, so landing a bigger order can strain cash flow instead of relieving it.
Bulk Material Buying Ties Up Cash
Steel, resin, and specialty components are often cheaper in bulk, but buying ahead ties up working capital in raw materials that sit in inventory until they're built into finished goods and shipped.
Customer Demand Cycles Create Slow Stretches
Order volume often tracks a buyer's own seasonal cycle, whether that's retail restocking or industrial project timing, leaving slower stretches between big orders where payroll and facility costs still have to be covered.
Where the money goes
What manufacturers use funding for
- Purchase a new CNC machine or production line
- Buy raw materials like steel or resin in bulk
- Cover payroll and overtime while fulfilling a large purchase order
- Bridge cash flow while waiting on net-60 or net-90 invoices
- Upgrade facility power capacity or add floor space
- Repair or replace equipment after unexpected downtime
Our recommendation
Funding options that fit manufacturers
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
Invoice Factoring
Selling outstanding invoices for immediate cash turns net-60 or net-90 customer terms into cash today, so a large purchase order doesn't strain payroll or material budgets while you wait to get paid.
How it works - Option 2
Collateralized Business Loans
Using machinery or equipment as collateral can secure a larger loan amount for a CNC machine or production line, often at a lower rate than an unsecured option.
How it works - Option 3
Business Line of Credit
Draw funds as needed to buy raw materials in bulk or cover payroll between orders, then pay interest only on what you use during slower stretches.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
Can I finance new manufacturing equipment?
Yes. Collateralized business loans use the equipment itself, such as a CNC machine or production line, as collateral, which can help you access a larger loan amount, often at a lower rate. A term loan is another option if you'd rather not put equipment up as collateral.
How does financing help with slow-paying customer invoices?
Invoice factoring lets you sell an outstanding invoice for cash now instead of waiting on a customer's net-60 or net-90 payment terms. That frees up cash to cover materials, overtime labor, and payroll on your next order without waiting for the current one to be paid.
Will applying for a manufacturing business loan affect my credit score?
No. Applying for financing through TrustFi does not impact your credit score. You can compare invoice factoring, a collateralized loan, or a line of credit and see what your business qualifies for before making a decision. The application itself takes under 10 minutes to complete.
How fast can a manufacturer get funded?
TrustFi offers a 2-hour response guarantee, and qualified applicants can see funding in as little as 24 hours. Collateralized loans may take somewhat longer to process given the equipment or asset valuation involved, while a line of credit or invoice factoring can often move faster.
Can financing help me take on a bigger purchase order?
Yes. A business line of credit or invoice factoring can both help cover materials, overtime labor, and shipping costs for a larger order before the customer pays, so you're not turning down growth because of a cash flow timing gap.
What do manufacturers typically use financing for?
Common uses include purchasing or repairing machinery, buying raw materials in bulk, covering payroll during a large purchase order, bridging cash flow while waiting on customer invoices, and upgrading facility power or floor space. Many manufacturers combine invoice factoring with a line of credit for ongoing flexibility.
Funding for manufacturers, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees