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Invoice financing for manufacturing & distribution

Get up to 90% of your unpaid invoices now. Manufacturers use Credible Lending invoice financing to buy a CNC or production line or fund raw materials for a large PO, with settled when your customer pays and advances within 24 hours.

Apply nowAbout invoice financing
See what you qualify forStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your advisor.

$10K$5M
How long have you been in business?
What's your average monthly revenue?

Total deposits into your business account in a typical month.

What's your personal credit score?

An estimate is fine. Applying won't affect your score.

Where should your advisor reach you?

We'll use this only for your application.

Invoice financing for manufacturers
AmountUp to 90% of invoice value
TermSettled when your customer pays
SpeedAdvances within 24 hours
PaymentsSettled from invoice payment
Best forB2B businesses with slow-paying customers

Common uses in manufacturing & distribution

  • Buy a CNC or production line
  • Fund raw materials for a large PO
  • Expand warehouse space
  • Smooth net-90 receivables

Why manufacturers choose invoice financing

Big orders need cash first

Raw materials and labor come due long before the purchase order pays out.

Machines drive margin

A faster line or new CNC lowers cost per unit for years.

Terms are long

Net-60 and net-90 customers tie up cash that invoice financing can release.

How does invoice financing work?

  1. 1

    Submit open invoices from creditworthy business customers.

  2. 2

    Receive an advance of up to 90% of their value.

  3. 3

    Your customer pays as usual.

  4. 4

    You receive the balance, minus a transparent fee.

What do I need to qualify?

  • 1 year in business
  • $10K+ in monthly revenue
  • 625+ FICO score
Check my options

Other funding for manufacturers

Questions, answered

Something else on your mind? Ask an advisor.

Can manufacturers qualify for invoice financing?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review manufacturing & distribution financials with the industry's cash-flow patterns in mind.
Will my customers know I'm using invoice financing?
It depends on the structure. Ask your advisor about options where you continue to collect payments directly.
Can I finance machinery and working capital together?
Many manufacturers pair equipment financing for the machine with a line of credit for materials and payroll.

Ready when your business is.

Apply in about three minutes with a soft credit check. You'll hear back the same day.

Apply nowTalk to an advisor