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Whether you’re looking to purchase heavy machinery or expand your manufacturing business, manufacturing loans can make your trip from point A to point B a lot easier and pain-free. It only takes 15 minutes to apply, and you can get fully funded in as little as 24 hours.
In today’s economy, operating costs for manufacturers are only going up. Business owners who can see beyond the curve are purchasing in bulk to lock in prices before they rise further. Business loans for manufacturers can be used to purchase materials up front to combat increasing inflation.
At Lendio, we offer faster, easier financing with only a single application, because we know running your business is where you need to spend your time.
Complete your Lendio application in just 15 minutes so you can move on with your day. Funding times are also fast, once approved, with many borrowers receiving money in the bank within 24 hours of approval.
Enjoy personalized support with a dedicated funding manager who understands your manufacturing business.
With over 75 lenders in the Lendio network, you’ll find the right financing option for your manufacturing loan with just a single application.
Answer just a few questions about your business to see which lending products you qualify for. We’ve partnered with over 75 lenders, allowing us to find the best option or your business.
One of our funding specialists will reach out to you to get to know your business better. Since every business is unique, we want to make sure we find the loan type that’s perfect for your needs.
Compare different offers curated for your business. Select the capital amount and rate that will help take your business to the next level.
We work with lenders that can fund you fast. Once you’re approved, you’ll be able to access your capital in as little as 24 hours.
With asset-based financing (also called invoice factoring), a funder purchases an invoice from the borrower at a discounted rate. The business then pays back the funder as the business collects on the invoice. Revenue-based financing gives you an advance on expected future revenue rather than an invoice.
Debt financing is more of a “traditional” business loan, as borrowers receive the loan amount in a lump sum and make fixed monthly payments until the balance is repaid in full. Small business owners can choose either a term loan or an SBA loan. SBA loans typically have lower interest rates and higher borrowing limits, but can be more difficult to qualify for.
A business line of credit is very similar to a credit card, but there is a set draw period, the interest rates are lower, and the credit limits are much higher. Unlike other business loans, a line of credit can be used for anything and is useful for businesses in need of more working capital.
Business loans, like any financial decision, carry both rewards and risks. They can propel you towards growth and innovation or, if not managed carefully, may lead to financial strain. Be sure to weigh the potential benefits against the possible pitfalls of manufacturing business loans as you consider this financing option for your manufacturing enterprise.
Up-to-date equipment and tools can help increase your manufacturing business’ productivity and efficiency. With a business loan or equipment financing, you can purchase or upgrade the equipment that your business needs.
Adopting high-tech solutions enhances your operations and gives you a competitive edge. With a manufacturing business loan, you could invest in inventory and customer managements software, new computer systems, and more.
You’ll have to keep up on routine expenses like payroll, monthly rent, and more. Use a manufacturing business loan to help cover these expenses while keeping on top of other tasks in your business.
You will need to hire and train specialized staff to keep your manufacturing business running smoothly. Manufacturing business loans can provide the funds needed to hire new employees or train existing ones to keep up with evolving market needs.
A manufacturing business loan provides borrowers with the funds they need to purchase necessary equipment or heavy machinery, grow their business, or pay for general operations. While there are no loan products specific to manufacturing, there are multiple business loan products available to manufacturing companies.
To apply for manufacturing business loans through the Lendio platform, companies need to have existed for at least six months and make $8,000 or more per month. Business owners will also need to have a credit score of 600 or more. The amount you’ll be able to borrow will largely depend on the above factors, as well as your current debt-to-income ratio.
With Lendio’s online platform, it’s possible to complete a business loan application in as little as 15 minutes and receive the full loan amount in less than 24 hours. The application connects you with a marketplace of lenders, and a funding manager will connect with you and guide you through the process.
An SBA loan is a loan that is secured by the U.S. Small Business Administration. This means the SBA is not responsible for processing loan applications and funding loan amounts, but it will pay any unpaid balances to the lender if the borrower defaults. Because of this, the SBA is the one that establishes borrower eligibility requirements. SBA loans offer more borrower-friendly interest rates and repayment periods, but can also be harder to qualify for and take longer to process than other small business loans.
The Small Business Administration currently offers three types of loan products: microloans, 7(a) loans, and 504 loans. Microloans offer loan amounts up to $50,000 with repayment periods of up to seven years. 7(a) loans go up to $5 million, and have loan terms of up to 10 years. They are intended to help small businesses with general capital needs. Borrowers can also take out loans up to $5 million with 504 loans, but 504s are tailored for large asset purchases. Because of this, they come with repayment periods of up to 25 years.
*based on 136 Lendio employees who responded to an internal poll