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Manufacturing Financing

Power Your Production with Manufacturing Financing.

Raw material costs, production line upgrades, and long fulfillment cycles create massive capital demands. Our in-house team understands manufacturing operations and deliver funding aligned to your production schedule.

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Financing Challenges

Why Manufacturing Businesses
Need Flexible Capital

Understanding the financial pressures unique to manufacturing helps us fund you directly with the right products.

Long Production Cycles

Manufacturing often requires paying for raw materials, labor, and overhead months before finished goods ship and invoices are paid. This cash conversion cycle can stretch 60 to 120 days.

Equipment Modernization

CNC machines, robotics, quality control systems, and production line automation require capital investments that can run into the millions. Falling behind technologically means losing contracts to competitors.

Raw Material Price Swings

Steel, aluminum, plastics, and specialty chemicals fluctuate with global markets and trade policy. Manufacturers must buy in bulk to lock in pricing, tying up significant working capital.

Inventory Carrying Costs

Finished goods, work-in-progress, and raw material inventory require warehouse space, insurance, and management. These costs accumulate quietly and can consume 20-30% of inventory value annually.

Skilled Labor Shortages

Machinists, welders, engineers, and quality inspectors are in high demand. Competitive wages, training programs, and retention bonuses require upfront capital investment in your workforce.

Quality and Compliance

ISO certifications, FDA compliance, environmental regulations, and customer audits demand continuous investment in testing, documentation, and process improvements.

Recommended Solutions

Funding Products for
Manufacturing Businesses

Each product is tailored to address the specific capital needs of manufacturing operations. Click to learn more about terms, eligibility, and the application process.

Working Capital Loans
Fund raw material purchases and payroll during long production cycles.
Why it fits: Bridges the 60-120 day gap between material procurement and customer payment.
Business Lines of Credit
Flexible capital for materials, tooling, and operational expenses.
Why it fits: Draw funds as production demands shift without reapplying for each order.
Real Estate Loans
Leverage machinery, inventory, or receivables for major capital investments.
Why it fits: Use your production equipment and inventory as collateral for $100K to $50M+.
Real-World Impact

How We Help Manufacturing
Businesses Grow

Illustrative Example — Precision Parts Manufacturer

The Challenge

A precision machining company received a $2.8 million contract from an aerospace client but needed $520,000 for specialty alloys, tooling, and additional CNC programming. Their existing credit line was fully drawn against other orders.

The Solution

Sunsurf Capital arranged a receivables-based credit facility secured by the aerospace contract and their existing AR portfolio. Approval came in 6 business days with a credit line of $600,000.

The Result

They fulfilled the aerospace contract on time, maintained all existing orders, and the new client relationship generated $4.1 million in follow-on contracts over the next 18 months.

This example is representative of typical client outcomes and is presented for illustrative purposes.

FAQ

Common Questions About
Manufacturing Financing

We work with discrete manufacturers, process manufacturers, contract manufacturers, job shops, food and beverage producers, textile manufacturers, metal fabricators, plastics and composites companies, and electronics assemblers. Any manufacturing operation with steady revenue can qualify.
Yes. Equipment financing and real estate loans are ideal for production line investments. CNC machines, robots, conveyors, packaging lines, and quality control systems can all be financed with the equipment itself serving as collateral in most cases.
Our lenders understand seasonal patterns in manufacturing. Lines of credit with flexible draw schedules work well for businesses that ramp up production seasonally. Repayment can be structured to align with your revenue cycle rather than fixed monthly installments.
Absolutely. Bulk material purchases to lock in favorable pricing are one of the most common uses of manufacturing working capital. Inventory financing can also be structured against the raw materials or finished goods themselves.
We offer financing solutions for businesses navigating trade policy impacts. We can help you restructure supply chains, pre-purchase materials at current rates, or absorb tariff costs while maintaining margins.
While most lending products require 6+ months of operating history, Certain startup-focused lending programs are available for newer manufacturing businesses with strong business plans, industry experience, and adequate personal credit.
Get Started

Ready to Fund Your
Manufacturing Business?

Apply in 5 minutes and get a funding decision within 48 hours. No upfront fees. No obligation. Just the capital your manufacturing business needs to thrive.

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