Manufacturing Financing That Scales With Production
Equipment finance, working capital, real estate acquisition, and business expansion funding for manufacturers who need capital that moves as fast as their operations.
What We Structure for Manufacturers
Invoice Financing and Factoring
Unlock cash tied up in unpaid receivables, usually within 24 to 48 hours of invoice generation. No waiting 60 to 90 days.
Inventory-Based Lending
Use existing inventory as collateral for a revolving credit line. Fund large purchase orders and seasonal production cycles without burning cash reserves.
Equipment Financing
$500K to $100M+ for new or used manufacturing equipment. Structure as a loan or lease depending on tax and balance sheet goals.
SBA MARC Loans
Up to $10 million for qualifying U.S. manufacturers under NAICS codes 31 through 33. Covers facility purchase or expansion, heavy equipment, production line upgrades, acquisition of another U.S. manufacturer, reshoring operations, and vertical integration. This is the SBA's first loan program built exclusively for manufacturers.
SBA 7(a) and 504
Acquisition and expansion financing up to $5M standard, up to $10M for manufacturers qualifying under MARC. Can be layered with bank participation for larger transactions.
Working Capital Lines
Revolving credit for payroll, raw materials, and operational gaps during growth cycles.
SBA Programs for Manufacturers
The SBA offers three primary programs for manufacturing businesses, each designed for different capital needs. PeerSense helps you choose the right structure — or stack multiple programs.
SBA MARC Loan
The first-ever manufacturer-specific SBA loan program. NAICS 31-33 only. Designed for inventory, payroll, raw materials, and operational cash flow.
SBA 7(a) Loan
The workhorse of manufacturing finance. Use for acquisition, working capital, equipment, real estate, or refinancing existing debt.
SBA 504 Loan
Fixed-rate financing for buildings and heavy equipment. Manufacturers get higher loan limits ($5.5M vs. $5M standard). 10% down payment typical.
Program Stacking: The PeerSense Advantage
Most manufacturers don't realize you can combine SBA programs. Example: Use SBA 504 to buy your building (10% down), SBA MARC for working capital, and equipment leasing for your production line — all at the same time. PeerSense structures these deals every day.
Equipment Finance for Manufacturers
From $500 startup equipment leasing to $100M heavy-iron transactions. All credit profiles. Lease or loan.
Startup & Small Equipment
Get your first CNC machine, press, or production equipment with minimal credit history. Startup-friendly programs available.
Mid-Market Equipment Loans
Finance production lines, robotic systems, industrial presses, and material handling equipment. Lease or loan structures.
Heavy Industrial Equipment
Large-scale manufacturing equipment, automated systems, and facility-wide upgrades. Institutional capital available.
What Equipment Qualifies?
Lease vs. Loan: Which Is Better?
Equipment Lease: Lower monthly payments, easier approval, tax advantages, upgrade flexibility. Best for technology that evolves quickly.
Equipment Loan: You own the asset, builds equity, better for long-life equipment like presses and heavy machinery.
PeerSense helps you choose the right structure based on your equipment type, cash flow, and tax situation.
Working Capital for Manufacturing Operations
Manufacturing cash flow is lumpy — large material purchases, long production cycles, delayed customer payments. PeerSense has working capital solutions that match your operational reality.
Asset-Based Lending (ABL)
Revolving credit line secured by receivables and inventory. $250K–$30M. Advances against eligible collateral as you invoice.
Accounts Receivable Factoring
Sell your outstanding invoices for immediate cash. Non-recourse options available. Works for contract manufacturers and B2B suppliers.
Fast Working Capital
When you need cash for payroll, materials, or operational gaps. 24-hour to 5-day funding. $7.5K–$1M+.
When to Use Each Option
ABL: Best for established manufacturers with consistent receivables and inventory. Scales as you grow.
Factoring: Best for contract manufacturers or suppliers with creditworthy customers. Get paid immediately instead of waiting 30–90 days.
Fast Working Capital: Best for urgent needs — payroll gaps, material purchases, or seasonal cash flow. Speed over everything.
SBA MARC for Manufacturing Working Capital
Don't forget: the new SBA MARC program offers up to $5M in revolving working capital specifically for manufacturers (NAICS 31-33). Lower rates than conventional working capital, and it can be stacked with other financing.
Learn About SBA MARCCommercial Real Estate for Manufacturers
Own your facility instead of leasing. Build equity, control your space, and lock in fixed costs. PeerSense structures real estate financing for manufacturers at every stage.
SBA 504 for Manufacturing Facilities
Buy or construct your own manufacturing facility with just 10% down. Fixed rate for 20–25 years. Manufacturers get higher loan limits.
Bridge Loans for Facility Transitions
Move fast on a facility acquisition or transition while permanent financing is arranged. Close in 2–4 weeks.
CPACE for Energy Efficiency
Finance HVAC, solar, lighting, roofing, and energy improvements. No income docs required. Repaid through property tax assessment.
Why Manufacturers Should Own Their Facilities
Financial Benefits
Operational Benefits
USDA B&I for Rural Manufacturers
If your manufacturing facility is located in a rural area (population under 50,000), you may qualify for USDA Business & Industry loans — one of the most underutilized programs in manufacturing finance.
What USDA B&I Covers
Check Your Eligibility
Most areas outside major metro centers qualify as "rural" under USDA definitions — including many towns with populations up to 50,000. If you're manufacturing outside a major city, there's a good chance you qualify.
PeerSense works with USDA-approved lenders and can help you determine eligibility and structure your application.
Who We Work With
We work with companies that already have consistent revenue, real customers, and proven operations. The ideal PeerSense manufacturing client:
Has $1M+ in annual revenue with 12+ months of operating history
Produces physical goods in the United States
Is preparing for expansion, production scale-up, or acquisition
Needs capital to move faster than competitors — not to survive
If you are a startup or pre-revenue manufacturer, SBA and institutional lenders are not yet the right fit. When you are ready, we will be here.
Why Manufacturing Is a Priority Right Now
The SBA MARC program created a lane that most capital advisors have not caught up to yet. U.S. lenders are actively prioritizing manufacturers who produce domestically, create American jobs, and strengthen domestic supply chains. Deals that fit this profile move faster and get better terms than they would have three years ago.
If your company makes a physical product in the United States and you can show real revenue, real payroll, real equipment, and real production — you are exactly the kind of business these programs were designed for.
Manufacturing Financing FAQ
The SBA MARC (Manufacturing and Retail Credit) program launched in October 2025 as the first-ever manufacturer-specific SBA loan program. It provides up to $5M in revolving working capital exclusively for manufacturers (NAICS codes 31-33). Unlike traditional term loans, MARC works like a credit line — you draw funds as needed for inventory, raw materials, payroll, and operational expenses. It offers lower rates than conventional working capital and can be stacked with other SBA programs like 504 for real estate or equipment financing.
Ready to Finance Your Manufacturing Growth?
Whether you need equipment, working capital, or real estate financing, PeerSense connects you with the right capital source for your manufacturing operation.