Business Loans for Manufacturers
Flexible funding options to help manufacturers manage cash flow
- 1-2 Day Funding
- Lower Interest Rates
- Loan Terms up to 10yrs
- No Collateral Required
Qualifications for Manufacturers
Minimum 6 months in Business
$500,000 in Annual Gross Sales
No Minimum FICO to Qualify
Business Loans for Manufacturers
Financing Options Built Around the Way Manufacturers Operate
Manufacturing businesses often have high upfront costs, long production cycles, equipment needs, supplier payments, and delayed customer invoices. Whether your company produces medical products, industrial parts, consumer goods, packaging, machinery, textiles, or specialty components, access to the right financing can help support daily operations and long-term growth.
A business loan solution can help manufacturers manage cash flow, purchase equipment, fulfill larger orders, expand facilities, and keep production moving without relying only on available cash reserves.
Accounts Receivable Financing
Turn Outstanding Invoices Into Working Capital
Manufacturers often complete production, ship products, and then wait 30, 60, or even 90 days for customers to pay. Accounts receivable financing allows a business to access funds based on unpaid invoices, helping convert money already owed into usable working capital.
This type of financing may be useful for manufacturers that need to cover payroll, purchase raw materials, pay suppliers, or begin the next production run before customer payments are received. Instead of slowing operations while waiting on receivables, invoice-based financing can help maintain cash flow between billing and collection cycles.
Business Line of Credit
Flexible Capital for Ongoing Manufacturing Needs
A business line of credit gives manufacturers access to revolving funds that can be drawn as needed. Unlike a lump-sum loan, a line of credit allows the business to use available capital when expenses arise and repay the balance over time.
Manufacturers may use a line of credit to manage seasonal demand, purchase inventory, cover supplier costs, handle equipment repairs, or bridge short-term gaps between expenses and incoming revenue. Once funds are repaid, the available credit may be used again, making it a flexible option for businesses with changing cash flow needs.
Equipment Financing
Acquire or Upgrade the Equipment That Keeps Production Moving
Manufacturers depend on equipment to produce, package, store, and deliver products. Equipment financing can help businesses purchase or lease machinery, production equipment, vehicles, technology, tools, or other essential assets without paying the full cost upfront.
This financing option may be used to replace outdated equipment, increase production capacity, improve efficiency, reduce downtime, or expand product capabilities. In many cases, the equipment being financed serves as part of the basis for the loan structure, which can make it a practical option for asset-heavy businesses.
Commercial Real Estate Financing
Finance the Space Your Manufacturing Business Needs
Commercial real estate financing can help manufacturers purchase, refinance, expand, or improve business property. This may include warehouses, production facilities, distribution centers, industrial buildings, office space, or mixed-use commercial property.
For manufacturers that have outgrown their current location, commercial real estate financing may support a move into a larger facility, the purchase of an owner-occupied building, or improvements to an existing property. It may also be used to refinance existing property debt or support expansion into additional locations.
Working Capital Loans
Support Daily Operations When Cash Flow Is Tight
A working capital loan provides funds for everyday business expenses rather than a specific long-term asset purchase. For manufacturers, this may include payroll, rent, utilities, materials, packaging, shipping, insurance, maintenance, or vendor payments.
Working capital financing may be useful when a manufacturer experiences delayed customer payments, rising material costs, seasonal slowdowns, or increased production demand. It can help the business continue operating while managing short-term cash flow pressure.
Funding That Supports Production, Cash Flow, and Growth
Manufacturing businesses require capital at many stages of operation. Some need short-term funds to manage receivables or supplier payments. Others need larger financing to purchase machinery, expand production space, or take on new customer contracts.
The right loan program depends on how the funds will be used, the company’s revenue, cash flow, time in business, credit profile, and available business assets. By matching the loan type to the business need, manufacturers can access financing that supports operations without disrupting production.
View Loan Options for Manufacturers
A business line of credit gives your company access to a revolving source of capital that can be used as needed. It can help manage cash flow, handle operating expenses, and provide quick access to funds when new business opportunities arise.
- $10,000-$5,000,000
- 6 Mnths.- 10yr terms
- Funding in 1-3 days
Receive upfront capital based on future sales, with repayment typically tied to a percentage of daily credit card or business revenue. This can be useful for fast access to cash when traditional loan structures are not the best fit
- $10,000-$5,000,000
- 6 Mnths- 10yr terms
- Funding in 1-3 days
Use outstanding customer invoices for a cash infusion instead of waiting 30, 60, or 90 days for payment. This option can help improve cash flow while using unpaid invoices as the basis for funding.
- $100K+ aged-90 days
- 6 Months - 10yr terms
- Funding in 2-5 days
Financing or leasing options that help businesses purchase essential equipment, machinery, technology, furniture, or other tangible assets without paying the full cost upfront.
- $10,000 - $5,000,000
- 1yr - 6yr terms
- Funding in 2-5 days
Government-backed financing designed to help eligible businesses start, acquire, or expand. SBA loans typically offer larger funding amounts and longer repayment terms for qualified borrowers.
- $10,000-$5,000,000
- 10yr- 25yr terms
- Funding in 35-45 days
Funding for properties used to generate business income, including multifamily, mixed-use, office, retail, industrial, warehouse, and other commercial property types.
- $250,000-$10,000,000
- 10yr - 30y terms
- Funding in 25-40 days
About WGM Financial
WGM Financial is a business financing resource and loan portal that helps business owners review funding options based on their business need, use of funds, timeline, and repayment ability. The site provides educational resources and access to business financing options, including working capital, business lines of credit, equipment financing, accounts receivable financing, SBA loans, commercial real estate financing, healthcare business loans, trucking business loans, and manufacturing financing.
WGM Financial is owned and operated by WGM Direct Marketing, LLC. Financing options are subject to lender review, underwriting, borrower qualifications, and final approval.