Capital That Matches Your Production Cycle
Manufacturing businesses operate on a capital cycle that most lenders do not understand. Raw materials must be purchased before products are sold, and customers frequently pay 60 to 90 days after delivery. Equipment failures can shut down production entirely.
Surge Financial advises on programs designed around manufacturing realities including equipment financing, invoice factoring for large receivables, inventory-backed working capital, and SBA loans for facility expansion and major equipment acquisition.
AT A GLANCE
Common Funding Needs
Every business in this industry has unique capital needs. Here are the most common reasons our clients seek funding.
Raw Material and Inventory Purchasing
Purchase raw materials and maintain inventory levels to fulfill orders and stay on production schedule. Invoice factoring and working capital programs both provide the liquidity to stock materials before customer payments arrive.
Equipment Acquisition and Replacement
Finance production machinery, processing equipment, and manufacturing tools that drive output capacity. Equipment financing uses the machinery itself as collateral and preserves working capital for production operations.
Bridging Large Receivables Gaps
Convert outstanding purchase orders and invoices into working capital while waiting 60 to 90 days for customer payments. Invoice factoring advances 70 to 90 percent of receivable value within 24 hours without adding debt to your balance sheet.
Facility Expansion
Fund warehouse expansions, new production facilities, and improvements to increase throughput and storage capacity. SBA loans provide long-term financing for facility-related investment at rates that reflect the strength of an established manufacturing operation.
Payroll During Production Ramp-Up
Cover labor costs during scale-up periods before new revenue from expanded output is collected. Revenue-based financing and lines of credit both provide flexible access to payroll capital that adjusts as production revenue grows.
Recommended Funding Solutions
Equipment Financing
Asset-based financing for production machinery, processing equipment, and manufacturing tools with the equipment as collateral. Loan or lease structures available with terms from 24 to 84 months for both standard and heavy commercial equipment.
Learn More →Invoice Factoring
Convert outstanding purchase order invoices into immediate working capital. Advances of 70 to 90 percent within 24 hours. No minimum credit score required on most programs. Available for B2B manufacturing and distribution receivables.
Learn More →SBA Loans
Long-term financing for facility expansion, major equipment acquisition, and growth capital at rates that reflect the strength of an established manufacturing business. SBA programs are available for qualified manufacturers with at least 2 years in business.
Learn More →Business Line of Credit
Revolving access to working capital for raw material purchasing, payroll, and operating expenses. Draw what you need and repay as customer payments clear without reapplying each time.
Learn More →General Requirements
Requirements vary by product. Final approval is subject to individual program underwriting criteria.