Business Line of Credit
Revolving access to capital. Draw for raw materials, repay when parts ship. Interest only on what you use.
- $10K–$500K
- Revolving, 12–24 month renewal
- Prime + 1–5% (variable)
- Best for: recurring materials, payroll
WESTVALVE FINANCIAL • WORKING CAPITAL FOR MANUFACTURING
Working Capital for Manufacturing.
Lines of credit, short-term loans, factoring, revenue-based financing — raw materials, payroll, inventory, tooling. Fast funding for manufacturers.
No obligation to explore your options. Financing is subject to provider approval and program requirements.
WESTVALVE FINANCIALMANUFACTURING WC
FUNDING IN 24-48 HOURS
Capital that keeps production running.
Raw materials. Payroll. Tooling. The gap between paying suppliers and collecting from customers. We help manufacturers access the capital that keeps lines running.
WORKING CAPITAL FOR MANUFACTURING
Capital for production cycles.
Manufacturing has unique cash flow cycles — raw materials upfront, production time, then collect. We help you access the right product for your production cycle.
Short-Term Working Capital Loan
Lump sum for immediate needs. Fixed payments over 3-18 months.
- $10K–$500K
- 3–18 month terms
- Fixed rates
- Best for: specific one-time needs
Manufacturing Factoring
Sell invoices, get paid same day. Non-recourse protects against customer default.
- 1-5% discount fee
- Same-day funding
- Non-recourse available
- Best for: 30-90 day payment terms
Revenue-Based Financing
Repay a % of monthly revenue. Payments scale with production volume.
- Up to 10-15% of annual revenue
- Repay 1.3–1.5x advance
- Payments scale with shipments
- Best for: growing production, seasonality
WHY MANUFACTURING CHOOSES US
We understand production cash flow.
01
Raw Materials First, Pay Later
Line of credit for steel, plastic, components. Draw when you order, repay when parts ship.
02
Payroll Through Production Cycles
Line of credit covers bi-weekly payroll through long production runs. Revolving = always available.
03
Factoring = Same-Day Cash
Sell the invoice, get paid today. Non-recourse protects you if the customer doesn't pay.
04
Tooling & Inventory Gaps
Short-term loan for die changes, fixture builds, inventory builds before big orders.
PRODUCTION CYCLE MATCHING
We match the product to your production cycle.
01
Material Procurement (Week 1-4)
Line of credit for raw materials, components, subcontractors. Revolving = always available.
02
Production Run (Week 4-12)
Revenue-based financing scales with output. Payments match shipment schedule.
03
Shipment & Collection (Month 3-4)
Factoring converts invoices to cash same day. Non-recourse = no customer risk.
04
Next Cycle Prep
Line of credit reloads for next PO. Revolving = always ready for next order.
GET STARTED
Let's keep your lines running.
Tell us about your production schedule, customer terms, and cash flow cycle. We'll match you with providers who specialize in manufacturing.
FAQ
Questions about manufacturing working capital.
Can manufacturing companies get working capital loans?
Yes. Manufacturing is eligible for all working capital products — lines of credit, short-term loans, factoring, revenue-based financing, and SBA working capital. Lenders understand production cycles and inventory cycles (30-90 days). We work with providers who specialize in manufacturing financing.
What's the best working capital option for raw material purchases?
A business line of credit or revenue-based financing. A line of credit lets you draw for raw materials when needed and repay when finished goods sell. Revenue-based financing automatically adjusts payments to your production revenue — payments scale with your output.
Can manufacturing companies use factoring for working capital?
Yes. Manufacturing factoring is common — sell invoices at a 1-5% discount, get paid same day. Non-recourse factoring protects you if the customer doesn't pay. We work with factoring companies that specialize in manufacturing and OEM receivables.
How fast can a manufacturing company get working capital?
Alternative working capital: 24-48 hours. Business line of credit: 3-10 business days. SBA working capital: 30-90 days. Revenue-based financing: 24-48 hours. Factoring: same day. Speed depends on the product and documentation readiness.
What credit score do manufacturing companies need for working capital?
Alternative working capital: 500+ credit score. Business line of credit: 600+. Factoring: based on customer credit, not yours. SBA working capital: 680+. Strong contract backlog and inventory value can offset lower scores.
Can manufacturing companies use working capital for raw materials and payroll?
Yes. Working capital is specifically designed for day-to-day operations — raw materials, payroll, utilities, tooling, maintenance, and the gap between paying suppliers and collecting from customers.