Capital for production businesses
Manufacturers commit cash long before a finished product becomes collected revenue. Materials must be ordered, crews scheduled, machinery maintained, and freight arranged while customer invoices may not be paid for 30, 60, or more days. Even a strong order book can create pressure when growth pulls working capital onto the factory floor.
Stonegate works with established manufacturing businesses seeking $5,000 to $750,000 for planned investments and operating needs. Funding can help a producer increase throughput, respond to a purchase order, protect a delivery schedule, or modernize a facility without draining the cash reserved for normal production.
Manufacturing capital is most productive when it removes a specific constraint: limited machine capacity, material purchasing power, labor availability, or the timing gap between production and customer payment. The budget should include setup and ramp-up costs as well as the purchase itself. Allow for testing and training too.
Suppliers may require deposits or short payment terms while customers expect finished goods on longer invoicing terms. Capital can secure metal, lumber, resin, textiles, packaging, electronics, or other inputs before production begins. It can also support a bulk buy that improves unit economics, protects against an announced price increase, or reduces exposure to a long lead-time component.
An unexpected equipment failure can halt output, create overtime, and put customer relationships at risk. Funding can cover urgent repair, replacement parts, rigging, calibration, or a replacement machine. For planned growth, it can help add automation, tooling, quality-control equipment, or another line when the expected increase in capacity supports the investment.
A new contract can require materials, direct labor, outside processing, packaging, and freight well before the first invoice is collected. Working capital allows an established manufacturer to evaluate the order on margin and operational fit instead of declining it solely because of timing. Funding should be sized against the real production schedule and collection terms, including contingencies for rework or delayed acceptance.
Facility upgrades can reduce waste, strengthen safety, and support customer requirements. Capital may fund electrical service, ventilation, compressed air, racking, loading improvements, energy-efficient systems, or a layout change that shortens movement between operations. It can also support certifications, testing, software, and traceability systems needed to compete for more demanding accounts.
Available funding may range from $5,000 to $750,000. The appropriate amount depends on operating history, current revenue, deposit activity, existing obligations, margins, and the size of the project or cash-flow gap. Underwriting considers whether the proposed payment fits the company's normal performance, not simply the face value of a purchase order or the resale value of a machine.
Recent business bank statements provide a practical view of collections, payroll, supplier payments, average balances, and seasonality. For larger requests, additional financial statements, debt schedules, invoices, or purchase-order information may be requested to understand the production cycle. Ownership credit can be part of the review, but the business's demonstrated performance is central. All approvals, amounts, costs, and terms are subject to underwriting.
A lump-sum term loan can align with a known investment such as machinery, tooling, a facility upgrade, or a production expansion. A fixed schedule makes it easier to compare the payment with increased output, lower scrap, reduced downtime, or labor savings. Owners should account for installation and ramp-up, not just the purchase price.
A line of credit can provide repeat access for materials, freight, payroll, and other costs that rise and fall with orders. Drawing only when the production schedule requires funds can be more flexible than holding a full lump sum. As customers pay and the balance is reduced, availability may replenish according to the agreement.
A useful funding review connects financial statements to the way the plant operates. Be ready to explain what is being produced, when costs occur, how customers pay, and what the requested capital will change.
Complete the application and outline the equipment, material purchase, order, or working-capital requirement. Submit recent business bank statements for review.
Underwriting reviews revenue, deposit trends, balances, existing payments, and the operating cycle. Eligible options can then be compared by amount, payment, term, and total cost.
Once an approved offer is accepted and signed, direct the funds to the identified production priority and track whether it delivers the expected capacity or cash-flow benefit.
Bring the next capacity, order, or efficiency decision into focus. Share the operating need and recent bank statements so Stonegate can review options against the way your manufacturing business actually runs.
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