Industry Solutions
Production Capital for Manufacturers
Finance equipment, raw materials, and facility expansions to increase production capacity and win larger contracts.
Check Your EligibilityOverview
Manufacturing Business Funding
Manufacturing businesses require constant capital reinvestment to remain competitive. Equipment wears out and must be replaced, raw material costs fluctuate and require bulk purchasing to maintain margins, and winning larger contracts often demands production capacity you don't yet have. Traditional bank lending for manufacturers can take 60–90 days and requires extensive financial documentation that pulls leadership away from running the operation.
Granton Hale Capital works with manufacturers across industries — from precision machining and metal fabrication to food production and consumer goods assembly. We evaluate your business based on production capacity, contract backlog, customer concentration, and revenue consistency. A manufacturer with $100K/month in recurring purchase orders has a strong, fundable business regardless of what traditional lending criteria suggest.
Our manufacturing clients use funding to purchase CNC machines, industrial equipment, and tooling; stock raw materials at volume discounts; expand production lines; and hire skilled operators to meet growing demand. We structure repayment around your production and payment cycles so capital deployment aligns with revenue generation.
Challenges
Industry Pain Points We Solve
Long Production-to-Payment Cycles
Manufacturing a product takes days to weeks, and customers often pay on Net-30 to Net-60 terms after delivery. The total cycle from raw material purchase to cash collection can stretch 60–120 days.
Capital-Intensive Equipment Needs
Industrial equipment — CNC machines, injection molders, production lines, forklifts — costs $100K to $2M+ per unit. Operating with outdated equipment reduces quality, increases waste, and limits the contracts you can bid on.
Raw Material Price Volatility
Steel, aluminum, resin, chemicals, and agricultural inputs fluctuate in price. Locking in favorable pricing requires bulk purchasing that ties up significant working capital.
Skilled Labor Shortages
Finding and retaining experienced machinists, welders, and production operators requires competitive wages and benefits. Training new employees takes months before they're fully productive, creating a cash drain during ramp-up.
Solutions
Funding Options for Your Business
We match you with the funding product that best fits your industry and specific needs. View all solutions
Equipment Financing
Finance CNC machines, industrial equipment, forklifts, and production line upgrades with terms matched to the equipment's productive life.
Working Capital
Fund raw material purchases, payroll, and operating expenses during the gap between production and customer payment.
Term Loans
Structured financing for facility expansions, production line additions, and major capital improvement projects.
Lines of Credit
Revolving credit for managing variable raw material costs and seasonal production demands without disrupting cash flow.
Use Cases
How Our Clients Use Funding
Purchase Production Equipment
Finance CNC machines, lathes, injection molders, or packaging lines to increase output capacity and take on larger orders.
Bulk-Purchase Raw Materials
Lock in favorable pricing on steel, plastics, chemicals, or other inputs by purchasing in volume rather than ordering just-in-time at premium prices.
Expand Production Facilities
Fund warehouse expansion, additional production space, or renovation of existing facilities to accommodate new equipment or product lines.
Hire and Train Skilled Workers
Cover recruitment costs, competitive signing bonuses, and payroll during the training period for new machinists, welders, or production operators.
FAQ
Frequently Asked Questions
What types of manufacturing equipment can I finance?
We finance virtually all production equipment: CNC machines, lathes, mills, injection molders, presses, welding equipment, packaging lines, forklifts, and material handling systems. Both new and used equipment qualify, and we work with any manufacturer or dealer.
Can I get funded if my revenue is concentrated in a few large customers?
Yes. Customer concentration is common in manufacturing and doesn't automatically disqualify you. We evaluate the strength and stability of your customer relationships, contract terms, and payment history. Diversification is ideal, but strong, long-term customer relationships with creditworthy buyers can be equally fundable.
How do you evaluate a manufacturing business for funding?
We look at monthly revenue, contract backlog, accounts receivable aging, gross margins, equipment utilization, and customer quality. We connect these data points to build a picture of your production capacity and revenue potential rather than relying solely on personal credit scores.
Can I fund a facility expansion or build-out?
Yes. Facility expansions are a common use case. We can structure term loans for construction and build-out costs, equipment financing for new production lines, and working capital to cover the transition period while the new space comes online.
Ready to Get Funded?
30-second application. No hard credit pull. Decisions in as little as 3 hours.
Check Your Eligibility