Merchant Cash Advance for Manufacturers
Turn your revenue into immediate capital. Ideal for manufacturers with consistent sales who need flexible funding that adjusts to actual revenue rather than fixed monthly payments that ignore production cycles.
How much funding do you need?
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Flexible Funding for Manufacturing Realities
Manufacturing revenue fluctuates with orders, seasons, and customer payment timing. MCAs provide capital that adapts to these realities rather than forcing fixed payments during variable revenue periods.
Order Cycle Variability
Manufacturing revenue often comes in waves tied to customer orders, production schedules, and seasonal demand patterns.
Payment Timing
Manufacturing customers typically pay Net 30-60. Revenue hits your account weeks after production, creating timing mismatches.
Seasonal Production
Many manufacturers see 40-60% of revenue in peak seasons. Revenue varies significantly month to month.
Large Order Impact
A single large order can swing monthly revenue by 30-50%. Fixed payments do not account for this variability.
Why Manufacturers Choose Flexible Funding
MCAs address the variable revenue reality of manufacturing operations.
Production Cycles vs. Payments
You need capital for materials now but will not receive payment for completed goods for 30-60 days or more.
Traditional Lenders Miss Manufacturing
Banks do not understand manufacturing economics. They see production cycles as risk rather than normal operations.
Order Volatility
Large orders come in waves. Fixed payments do not match this operational reality where revenue varies significantly.
Material Cost Spikes
Raw material costs can spike with commodity prices. You need capital to buy when pricing is favorable.
Customer Payment Delays
When major customers pay late, cash flow suffers but fixed loan payments remain constant.
Speed of Need
Material deals and production opportunities require fast capital. Banks take weeks you do not have.
Manufacturing MCA Funding Process
Fast, straightforward process to get your operation funded.
Quick Application
Simple application with basic company information. Bank statements show your revenue.
15 minutes
Revenue Review
We review your manufacturing revenue patterns and customer payment cycles.
Hours
Advance Offer
Receive your MCA offer with clear terms including factor rate and holdback percentage.
Same day
Fast Funding
Accept and receive funds deposited to your business account.
24-48 hours
Funding That Aligns With Your Revenue
A merchant cash advance provides capital based on your revenue, with repayment that automatically adjusts to actual sales. Busy production month means higher payment. Slower period means lower payment.
Revenue-Based Repayment
Payments flex with your sales. Busy production month? Pay more. Slower period? Pay less.
Business Performance Focus
Qualification looks at your revenue and sales history, not just personal credit scores.
Fast Access
Get funded in 24-48 hours. Do not miss raw material deals or large order opportunities.
No Collateral Required
Your future revenue is the collateral. No need to pledge equipment or property.
Large Funding Amounts
Manufacturing operations often need substantial capital. We can provide it.
Simple Process
Minimal paperwork. We review your bank statements and make decisions quickly.
Manufacturing MCA Funding Uses
How manufacturers use merchant cash advances.
Raw Material Purchase
Buy materials for large orders or stock up before price increases.
Typical funding: $50K-$250K
Large Order Fulfillment
Fund production costs for major orders requiring significant upfront capital.
Typical funding: $75K-$300K
Equipment Repairs
Emergency repairs to keep production lines running without delay.
Typical funding: $25K-$100K
Payroll Bridge
Cover payroll during gap between production and customer payment.
Typical funding: $30K-$150K
Seasonal Ramp-Up
Fund production expansion before peak demand seasons.
Typical funding: $50K-$200K
Opportunity Capital
Quick capital for material deals, equipment opportunities, or emergency needs.
Typical funding: $25K-$150K
MCA vs. Traditional Manufacturing Financing
Compare merchant cash advances to other funding options.
| Feature | Merchant Cash Advance | Bank Term Loan | Invoice Financing |
|---|---|---|---|
| Funding Speed | 24-48 hours | 2-6 weeks | 24-48 hours |
| Payment Structure | Revenue percentage | Fixed monthly | Upon collection |
| Credit Focus | Revenue-based | Credit score heavy | Customer credit |
| Collateral | None required | Often required | Invoices |
| Revenue Flexibility | Automatic adjustment | No flexibility | Varies |
| Documentation | Bank statements | Extensive | Invoice documentation |
| Approval Rate | Higher | Lower | Moderate |
| Best For | Variable revenue | Stable revenue | B2B heavy |
Manufacturing MCA Requirements
Basic requirements for manufacturing merchant cash advances.
Operating Manufacturer
Active manufacturing or distribution operation with established revenue.
6+ months in operation
Monthly Revenue
Consistent monthly revenue from manufacturing or distribution operations.
$25,000+ monthly
Bank Statements
Recent business bank statements showing revenue deposits and cash flow.
3-6 months statements
Business Bank Account
Active business bank account where deposits and debits occur.
Business checking account
No Active Bankruptcy
No active bankruptcy proceedings. Past bankruptcies evaluated individually.
No active bankruptcy
Revenue Consistency
Reasonably consistent revenue patterns, allowing for normal manufacturing variability.
Consistent deposits
MCAs focus on business revenue performance rather than personal credit. Manufacturers with lower credit scores can often qualify based on strong revenue.
Real Results
Summit Manufacturing Co.
Plastic Injection Molding, Michigan
The Challenge
The company received a $300,000 order from an automotive supplier but needed $125,000 for resin and tooling immediately. A bank quoted 4 weeks for approval. The customer needed first shipment in 3 weeks.
The Solution
Merchant cash advance for $130,000 with 1.32 factor rate and 10% daily holdback. Funded within 36 hours of application.
The Result
Materials purchased immediately. First shipment met customer deadline. The flexible repayment meant lower payments during a slow month between orders, then higher payments when the automotive revenue arrived. Fully repaid in 8 months. Customer relationship led to additional $800,000 annual orders.
“The bank said 4 weeks. We had 3 weeks until first shipment was due. The MCA funded in 36 hours and we met the deadline. That order turned into our biggest customer relationship.”
Manufacturing MCA Industry Data
Statistics on merchant cash advances in manufacturing.
MCA Benefits for Manufacturers
Advantages of merchant cash advances for manufacturing operations.
Order Opportunity Capture
Accept large orders requiring upfront capital without waiting for bank approval.
Revenue-Based Qualification
Strong manufacturing revenue can qualify you even with imperfect personal credit.
Automatic Adjustment
Payments naturally decrease during slower production periods.
Speed to Capital
24-48 hour funding means you can act on material deals and opportunities.
No Equipment Pledge
Production equipment and property are not pledged as collateral.
Simple Documentation
Bank statements show your revenue. No extensive financial projections required.