Industry Funding
Working Capital for Manufacturing Businesses
Production costs are front-loaded. Customer payment is back-loaded. Commera matches the structure to the cycle, purchase-order financing for large orders, receivables financing on shipped invoices, equipment financing for machinery, or fast revenue-based funding, not a bank's underwriting calendar.
Soft credit pull · First offers within 24 hours · No fees to apply
By Filip Kozina · Co-Founder, Commera Funding
The real problem
Why businesses in this industry partner with Commera
Bank financing moves on bank timelines. Your business doesn't.
- 01
Raw Material Costs Come Before Customer Payment
You buy materials, run production, ship product, then wait 30-90 days for payment. Purchase-order financing funds the materials against a confirmed order, and receivables financing advances against the invoice once you ship.
- 02
Large POs Create Cash Flow Problems
Winning a large purchase order is a problem if you don't have capital to fund production. Purchase-order financing, or revenue-based funding, provides the working capital to fulfill large orders without turning them down.
- 03
Equipment Breakdowns Halt Production
A broken CNC machine, press, or conveyor doesn't care about your delivery schedule. Equipment financing covers a planned replacement, and when a line goes down unexpectedly, fast funding is available immediately, not in 3 weeks.
- 04
Lumpy Production Schedules
Many manufacturers have 1-2 large production runs per year timed to customer delivery schedules. The capital requirement is lumpy and doesn't match steady monthly revenue.
What you can fund
What businesses fund with Commera
Common uses for businesses in your industry.
Raw Material Purchase
Use purchase-order financing or a line of credit to buy materials upfront for a large production run without depleting operating reserves.
Equipment Repair or Replacement
Finance, lease, or fast-fund a machine to get production back online after a failure without waiting for bank approval.
Large PO Fulfillment
Purchase-order financing supplies the working capital to accept and fulfill a PO that exceeds your current liquidity.
Payroll Between Production Runs
Keep skilled workers employed between runs so you don't lose them to competitors.
Tooling and Mold Costs
Fund tooling, die, or mold production required for a new customer program.
Typical Funding Range
$25K-$750K
How to Qualify
Manufacturers qualify based on bank deposit volume. We match you to the right product, purchase-order financing to fund a big run, receivables financing against shipped invoices, equipment financing for machinery, or revenue-based funding for speed. Lumpy, project-based revenue is understood, funders evaluate your trailing 3-month average against projected repayment capacity.
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Every structure we can place
Two businesses in the same industry rarely need the same product. An advisor prices these against each other for your file rather than pushing whichever one funds fastest.
Ready to move?
See what you qualify for today
3-minute application. Soft credit pull only. No obligation.
Local funding guides
Other industries we fund
Business Funding for Restaurants & Food Service
Business funding for restaurants, bars, and food service businesses. Cover slow seasons, upgrade equipment, or bridge payroll. Funded in 24-48 hours.
Business Funding for Retail Stores
Fast business funding for retail stores, buy inventory before peak season, cover slow months, or renovate your space. Funded in 24-48 hours.
Business Funding for E-Commerce & Online Retail
Fast capital for e-commerce and online retail. Fund inventory, ad spend, or 3PL costs without giving up equity. First offers within 24 hours.