According to Nautix Capital's lender network data, manufacturing and wholesale businesses can access $10K-$500K in funding within 24-72 hours. PO financing and equipment financing are the top products, with businesses generating $10K+/mo in revenue likely qualifying for order-backed capital and production equipment loans.

Find Your Best Manufacturing & Wholesale Funding Match

SmartMatch evaluates 75+ lender programs to find the funding options most likely to approve your manufacturing facility, wholesale distribution, or production operation.

Qualification Snapshot

  • Monthly revenue: $10K/mo
  • Time in business: 1 year
  • Credit score: 550+
  • No credit pull required
  • Most manufacturing & wholesale businesses qualify
No credit pull2-minute assessment100% free

Start Your Free Manufacturing & Wholesale Funding Match

Loading SmartMatch™...

Common Funding Uses for Manufacturing & Wholesale Businesses

Here is how manufacturing & wholesale business owners typically put funding to work.

Purchasing raw materials and components to fulfill large customer orders

Acquiring or upgrading production machinery and manufacturing equipment

Managing supplier payments while waiting on net-30/60/90 customer terms

Warehouse expansion and facility improvements for increased capacity

Hiring production staff and managing payroll during order surges

Top Funding Options for Manufacturing & Wholesale

Based on what works best for manufacturing & wholesale businesses in our lender network.

PO Financing

Fund large orders upfront so you can say yes to bigger opportunities.

Amount$10K - $500K
Speed2-3 days for verification, 5-7 days to fund
Learn More

Equipment Financing

Finance new or used equipment with predictable payments that fit your cash flow.

Amount$10K - $500K
Speed3-5 days approval, 5-10 days to funding
Learn More

Revenue-Based Funding

Flexible capital tied to your cash flow, with fast approvals and minimal documentation.

Amount$25K - $500K
Speed24-48 hours
Learn More

SBA Loans

Government-backed financing with lower rates and longer terms. 7(a), 504, and more.

Amount$50K - $5.0M
Speed30-60 days
Learn More

Manufacturing & Wholesale Funding FAQ

How can manufacturers fund large orders without upfront capital?
PO financing pays your suppliers directly on confirmed customer purchase orders, covering 70-100% of the order amount. You fulfill the order, collect from your customer, and repay the financing. This lets you accept orders that exceed your current working capital.
What is the best way to finance production equipment?
Equipment financing provides 4-10% APR with 3-10 year terms because the machinery serves as collateral. CNC machines, injection molders, packaging lines, and industrial equipment all qualify. Terms are matched to the equipment's useful life for manageable payments.
Can wholesale distributors get funding for inventory purchases?
Yes. Working capital loans provide $50K-$500K for inventory within 48-72 hours. PO financing covers supplier payments on confirmed customer orders. Revenue-based funding offers flexible capital with payments tied to your daily sales volume.
How do I manage cash flow with net-60 or net-90 customer terms?
Invoice factoring converts unpaid customer invoices into immediate cash, advancing 70-90% of value within 24 hours. This bridges the 60-90 day gap between delivering product and receiving payment without taking on traditional debt.
Do manufacturers need collateral beyond the equipment?
Equipment financing uses the equipment itself as collateral, so no additional collateral is typically required. Working capital loans and revenue-based funding are based on cash flow, not collateral. SBA loans may require business assets or personal guarantee.

Still Not Sure? Talk to Us.

Not every situation fits a neat box. If you have questions about funding your manufacturing & wholesale business, start a free SmartMatch assessment and our team will walk you through your options.

Start SmartMatch