Revenue-Based Financing for Manufacturing
Funding that understands manufacturing has busy production periods and slower times. Repayment automatically adjusts based on your actual revenue, so you never strain cash flow during slow quarters or between major orders.
How much funding do you need?
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Why RBF Works for Manufacturing
Manufacturing revenue fluctuates with orders, seasons, and customer demand cycles. RBF provides funding that naturally aligns with these patterns rather than forcing fixed payments during variable revenue periods.
Order Cycle Variability
Manufacturing revenue often varies 30-50% month to month based on order timing, production schedules, and customer purchasing patterns.
Seasonal Production Patterns
Many manufacturers see 40-60% of annual revenue in peak seasons. Fixed payments during slow periods strain cash flow.
Large Order Impact
A single large order can double monthly revenue. The next month might be half. Fixed payments ignore this reality.
Payment Timing
Customer payment timing varies. Some months collections are strong, others delayed. RBF adapts to actual cash received.
Why Fixed Payments Challenge Manufacturers
Revenue-based financing addresses the natural variability of manufacturing cash flow.
Fixed Payments Ignore Cycles
You had a slow quarter, but your loan payment is the same as when lines were running at capacity.
Order Volatility
Large orders come in waves. Fixed payments do not match the variable nature of manufacturing production.
Seasonal Production
You ramp up before peak seasons, then slow down. Payments should reflect this natural cycle.
Customer Payment Delays
When major customers pay late, your revenue dips temporarily. Fixed payments remain constant.
Between Orders Gap
Gap between finishing one major order and starting the next creates revenue valleys.
Growth Investment Impact
Investing in growth temporarily reduces margins. Fixed payments compete with reinvestment.
Manufacturing RBF Funding Process
Simple process to get flexible funding that adapts to your production.
Quick Application
Simple application with company information and revenue history.
15 minutes
Revenue Analysis
We analyze your manufacturing revenue patterns and seasonal variations.
1-2 days
Funding Offer
Receive your RBF offer with clear terms including revenue percentage and total repayment.
1-3 days
Flexible Funding
Accept and receive funds. Payments automatically adjust to your revenue.
1-2 days
Payments That Match Your Production Reality
Revenue-based financing adjusts automatically. High output month? Pay more. Slower period? Pay less. The percentage stays constant while the dollar amount varies with your actual manufacturing revenue.
Automatic Adjustments
Payments scale with your revenue. No renegotiation needed during slow periods.
Production Aligned
When production is humming, you pay faster. During retooling or slow periods, less goes out.
Handles Order Volatility
Large order shipped? Higher payment that month. Gap between orders? Lower payment.
Simple Percentage
A fixed percentage of revenue goes to repayment until the funding is repaid.
Fast Funding
Get approved based on your revenue history and receive funds quickly.
Growth Aligned
Growing revenue means faster payoff. Slower period? Take longer. It balances out.
Manufacturing RBF Funding Uses
How manufacturers use revenue-based financing.
Seasonal Production
Fund seasonal ramp-up with payments that match seasonal revenue patterns.
Typical funding: $50K-$300K
Large Order Fulfillment
Capital for major orders with flexible repayment as revenue arrives.
Typical funding: $75K-$400K
Equipment Investment
Add production equipment with payments that adjust to the revenue it generates.
Typical funding: $50K-$250K
Material Inventory
Stock materials with flexible payments that match production and sales cycles.
Typical funding: $30K-$150K
Marketing and Growth
Fund growth initiatives with payments that scale as new revenue materializes.
Typical funding: $25K-$100K
Working Capital
General working capital with payment flexibility during variable months.
Typical funding: $25K-$200K
RBF vs. Fixed Payment Financing
Compare revenue-based financing to traditional fixed payment options.
| Feature | Revenue-Based Financing | Term Loan | MCA |
|---|---|---|---|
| Payment Structure | % of revenue | Fixed monthly | % of deposits |
| Seasonal Flexibility | Automatic | None | Automatic |
| Payment Variability | Yes | No | Yes |
| Slow Month Impact | Lower payment | Same payment | Lower payment |
| High Month Impact | Higher payment | Same payment | Higher payment |
| Funding Speed | 3-7 days | 5-14 days | 1-3 days |
| Cost Structure | Factor rate | Interest rate | Factor rate |
| Best For | Variable revenue | Stable revenue | Card-heavy business |
Manufacturing RBF Requirements
Requirements for manufacturing revenue-based financing.
Operating Manufacturer
Active manufacturing or distribution operation with established revenue.
6+ months in operation
Monthly Revenue
Consistent monthly revenue from manufacturing operations.
$30,000+ monthly
Revenue Trends
Stable or growing revenue trends over recent months.
Stable or growing
Bank Statements
Business bank statements showing deposits and cash flow.
4-6 months statements
Owner Credit
Personal credit considered but revenue performance is primary factor.
550+ credit score
Business Banking
Active business bank account for deposits and payments.
Business checking
RBF focuses primarily on business revenue performance. Manufacturers with variable revenue but strong overall performance are excellent candidates.
Real Results
Coastal Container Manufacturing
Packaging Manufacturing, New Jersey
The Challenge
The company had highly seasonal revenue with 60% of sales in Q2-Q3 for outdoor product packaging. Fixed loan payments during slow Q4-Q1 strained cash flow significantly.
The Solution
Revenue-based financing for $175,000 with 8% of monthly revenue going to repayment until $227,500 total repaid. Payments automatically adjust to seasonal revenue patterns.
The Result
During slow January, payment was $6,400 (on $80K revenue). During peak June, payment was $16,800 (on $210K revenue). Cash flow matched operational reality. Seasonal strain eliminated. Fully repaid in 13 months.
“Our old term loan payment was $14,000 every month whether we made $80K or $210K. That killed us in winter. With RBF, January payment was half of June payment. It matched our actual business reality.”
Manufacturing RBF Industry Data
Statistics on revenue-based financing for manufacturers.
RBF Benefits for Manufacturers
Why revenue-based financing works for manufacturing cash flow.
Natural Cash Flow Alignment
Payments match your actual revenue. Never strain cash flow during slow periods.
Seasonal Protection
Lower payments during slow seasons protect your operation during natural downturns.
Revenue-Based Qualification
Strong manufacturing revenue can qualify you even with imperfect personal credit.
Faster Payoff During Growth
Growing revenue means faster repayment. Success accelerates payoff.
Order Volatility Handling
Large order shipped? Higher payment. Between orders? Lower payment.
Simple Structure
Fixed percentage is easy to understand and predict based on expected revenue.