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Term loans for manufacturing & distribution

A lump sum up front, repaid in fixed installments over up to 60 months. Manufacturers use Credible Lending term loans to buy a CNC or production line or fund raw materials for a large PO, with up to 60 months and funded within 24 hours of signing.

Apply nowAbout term loans
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.

Term loans for manufacturers
Amount$10K – $5M
TermUp to 60 months
SpeedFunded within 24 hours of signing
PaymentsWeekly or monthly
Best forExpansion, buildouts, one-time investments

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 a term loan

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 a term loan work?

  1. 1

    Tell us what the capital is for and how much it costs.

  2. 2

    Your advisor structures an amount and term around your project timeline and cash flow.

  3. 3

    Review the full cost of capital, in dollars, before you sign.

  4. 4

    Receive the lump sum and repay on a fixed schedule. Early payoff options are available.

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 a term loan?
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.
How long are Credible Lending term loans?
Terms run up to 60 months. Your advisor matches the term to the useful life of what you're funding and to your cash flow.
Can I pay off a term loan early?
Yes. Ask your advisor about early payoff options when you review your offer.
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