Manufacturing ties up cash in materials and work in progress long before an invoice goes out. Big orders are great news until you have to buy the steel. We fund the gap.
What manufacturing use fast finance for
Fund a new contract or tenderWith or without property
Fix a cash-flow gapWith or without property
Buy equipment or machineryNo property needed
Refinance a lender that wants you outProperty-secured
Buy stock & inventoryNo property needed
Take a bulk-buy discountNo property neededBest-fit loan types
Order to cash is the longest cycle in small business
A manufacturer buys raw material, converts it over weeks, ships it, then waits on the customer’s payment terms. Between the money leaving for steel, resin or timber and the money arriving from the customer there can be three or four months, and every unit of growth extends it.
That is the trap. Winning a larger order is unambiguously good and immediately makes cash worse, because the material and labour for it are funded long before the invoice is raised, let alone paid. Manufacturers fail while growing far more often than while shrinking.
Raw material pricing has made it harder still. Where suppliers once offered terms, many now want payment upfront or in advance of a production run, which moves the entire cost to the front of the cycle while the customer’s terms stay where they were.
Machine downtime is not a repair cost
When a CNC machine, press, line or oven goes down, the repair invoice is the smallest part of what it costs. Production stops, delivery dates slip, and in a sector where reliability is the main thing a customer is buying, a missed delivery can cost a contract that took years to win.
The calculation that matters is not the price of the repair against your bank balance. It is the price of the repair against a week of stopped production plus the risk to the customer relationship. Put that number down before deciding to wait.
This is the most common same-day file we see from manufacturers, and the one where speed is worth the most. A property-secured loan funded inside 24 hours against equity you already have will frequently cost a fraction of a fortnight of idle capacity.
What manufacturers borrow for
| The need | The timing problem | Usual answer |
|---|---|---|
| Raw material for a large order | Paid upfront; invoiced months later | Short-term funding repaid by the order |
| Machine breakdown | Production stops from the moment it fails | Same-day funding |
| New machinery or tooling | Capex lands before the capacity earns | Equipment finance, or property-secured funding |
| A contract that doubles output | Materials, labour and space, all before the first invoice | Property-secured funding up to $5M |
| Slow-paying customers | The work is delivered; the money is on 60 days | Invoice finance, or bridging against property |
| Moving or expanding premises | Bond, fit-out and downtime together | Bridging, repaid by a refinance |
Can you fund a manufacturer without current financials?
Yes, where property is available. Manufacturing is a sector where last year’s accounts are particularly poor evidence about this year: a single large contract won or lost changes the figures entirely, and a year distorted by a machine replacement or a customer collapse reads as weakness rather than as a one-off.
Property-secured funding removes that problem by not asking. The assessment is the equity behind your existing mortgage, the property type and how the loan gets repaid. A director’s home, an investment property or the factory unit itself all work, and industrial property in an active outer-metropolitan corridor is straightforward security.
Without property, cash-flow lending reads bank statements, which suits a manufacturer with regular monthly receipts better than one running on three large annual contracts. Invoice finance is the other route worth knowing about where the problem is specifically that good customers pay slowly.
Two fast lanes
- Check eligibility60 seconds online, with no credit score impact.
- We pick your fastest laneProperty-secured (up to $5M, no financials) or cash-flow (bank statements).
- Get a decisionUsually the same business day, with every cost in writing.
- Get fundedIn as little as 2 hours (cash-flow) or 24 hours (property-secured).
Frequently asked questions
Can you fund materials for a large order?
Yes, with a cash-flow loan, line of credit or property-secured loan, depending on size.
Can you refinance a factory loan?
Yes. Private first mortgages can refinance banks quickly.
Does it cost anything to apply?
No. There's no cost to apply or check your eligibility. All costs are set out in writing in your loan offer before you sign anything.
Will checking my eligibility affect my credit score?
No. Our 60-second eligibility check doesn't make a credit enquiry. A credit check is only done later, with your consent, if you decide to proceed.
