Industries we fund · Manufacturing & Fabrication
Working capital for manufacturing businesses
Manufacturers buy materials months before finished goods pay. Purchase orders are promises; payroll and suppliers are due now.
Clearwater places manufacturing files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for manufacturing business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a manufacturing file
Manufacturing files show larger, less frequent deposits - customer payments on completed orders - and funders read them for recurrence rather than rhythm. A shop whose book shows five-figure payments landing from repeat customers most months prices well. Purchase orders in hand materially strengthen the file: capital converting directly into a sold order is the lowest-risk story in lending. Equipment purchases read almost as cleanly.
What manufacturing businesses use the capital for
- Raw materials against a signed purchase order
- CNC and production equipment
- Payroll through long production cycles
- Bridging net-60 terms with large customers
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a manufacturing business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Manufacturing & Fabrication funding questions
Our deposits are big but infrequent. How does that read?
Funders look for recurrence across months rather than daily rhythm in manufacturing files. Repeat customers paying on completed orders is the pattern that prices.
Does a purchase order help me qualify?
Significantly. Capital that converts directly into a sold order is the easiest underwriting story there is. Include the PO details when you apply.
Is equipment a good use of an advance versus equipment financing?
It depends on speed and the machine. Advances fund in days unsecured; equipment loans run longer terms at lower cost. We will lay both against your numbers.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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