Manufacturing & Wholesale Financing
Fund inventory, machinery, and purchase orders
Manufacturers tie up capital in raw materials, machinery, and NET-60 receivables all at once. Loanwise Solutions structures facilities that finance each layer of the cycle so a large order becomes an opportunity instead of a cash crunch.
Cash flow challenges we see
- Raw materials must be bought long before invoices are paid
- CNC and production machinery requires large capital outlays
- Big purchase orders can exceed available working capital
- Overseas suppliers demand deposits up front
What owners use financing for
- Buy raw materials to fulfill a purchase order larger than your cash on hand
- Finance a new production line or CNC machine
- Advance against NET-60 invoices to distributors and retailers
- Stock up ahead of a seasonal selling window
Typical qualifying profile
- Time in business
- 1+ year for inventory and ABL facilities
- Credit
- 600+ FICO; collateral quality drives pricing
- Typical size
- $50K–$10M+
- Speed
- Equipment in days; ABL in 2–4 weeks
These are typical ranges across our lending partners, not guarantees. Loanwise Solutions is a broker, not a direct lender — final terms come from the lender we place you with.
Best financing options for manufacturing & wholesale
Inventory Financing
Borrow against inventory to fund purchase orders, seasonal buys, and bulk discounts.
Equipment Financing
Finance or lease machinery, vehicles, and technology with the equipment itself as collateral.
Invoice Factoring
Get paid today on invoices customers will pay in 30, 60, or 90 days.
Accounts Receivable Financing
Unlock cash tied up in receivables while keeping collections and customer relationships in-house.
Manufacturing & Wholesale financing: frequently asked questions
Can I borrow against inventory?
Yes. Inventory and asset-based lines advance a percentage of eligible inventory — typically 40% to 70% of cost depending on how quickly it turns and how easily it resells.
What if I need capital for one big order?
Purchase order and inventory financing exist for exactly that. The facility funds the materials or supplier payment, and repayment comes from the customer's invoice.
Can I finance used machinery?
Yes, including auction and private-party purchases. Lenders typically require an appraisal or invoice and finance up to the machine's orderly liquidation value.
Other industries we finance
Trucking & Transportation
Freight factoring, equipment financing, and working capital for carriers, owner-operators, and logistics companies.
Medical & Dental
Practice acquisition, build-out, equipment, and working capital for physicians, dentists, and specialty clinics.
Construction & Contractors
Working capital, equipment, and receivable financing for general contractors, subs, and specialty trades.
Ready to explore manufacturing & wholesale financing?
A 15-minute conversation is all it takes to know which lenders fit your business. No obligation.