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Working capital loans for manufacturing & distribution

Short-term funding for payroll, rent, inventory and other everyday costs. Manufacturers use Credible Lending working capital loans to buy a CNC or production line or fund raw materials for a large PO, with 3 to 18 months and decisions in 4–6 hours.

Apply nowAbout working capital 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.

Working capital loans for manufacturers
Amount$10K – $2M
Term3 to 18 months
SpeedDecisions in 4–6 hours
PaymentsDaily or weekly
Best forPayroll, rent, inventory and seasonal swings

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 working capital 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 working capital loan work?

  1. 1

    Apply with basic business details and recent bank statements.

  2. 2

    We review revenue and cash flow, not just your credit score.

  3. 3

    Choose from offers with different amounts and terms.

  4. 4

    Funds land in your account, often the same day.

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 working capital 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 fast can I get a working capital loan?
Decisions typically come within 4–6 hours of a complete application, and funding often follows the same or next business day.
What documents do I need?
Usually a short application and your last three to four months of business bank statements.
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