Funding for Machine & Fabrication Shops

Cover CNC machines, raw material, and payroll between big jobs — $10K to $5M, approved on your deposits, funded in as little as 24 hours.

The cash-flow problem every machine shop knows

You win a job, buy the material, run the parts, ship them — and then you wait 60 or 90 days for the customer to pay. Meanwhile payroll doesn't wait, the electric bill doesn't wait, and the next PO is already sitting on your desk asking you to float another round of steel and aluminum. A shop can be profitable on paper and still be out of cash on a Thursday.

Machine and fabrication shops carry some of the heaviest working-capital swings of any small business: material bought up front, long production cycles, net-60 terms from prime contractors, and equipment that costs six figures. Quick Biz Capital funds that gap. We look at your bank deposits, not your credit score, so a busy shop with real revenue can get approved even if the FICO is nothing to brag about.

What shops actually use the money for

• Raw material on a new PO — buy the bar stock, plate, and tooling before the customer pays you back.
• Payroll between big jobs — keep your machinists on the floor during the slow week so they're still there when the next contract lands.
• A used CNC or another axis — take on work you're currently turning away because you don't have the capacity.
• Tooling, fixtures, and inserts — the consumables that eat cash on a long production run.
• Catching up on a supplier — pay the steel yard so you stay on good terms and off COD.

A real dollar example

Say you land a $180,000 fabrication contract on net-60 terms. To run it you need $45,000 in material and about three weeks of payroll before the first invoice even goes out — call it $60,000 in cash you have to put out before a dollar comes back.

You take $60,000 in working capital. It hits your account, you buy the steel and make payroll, you run the job. When the customer pays on day 60, you've already got the parts out the door and the money in hand. The financing let you say "yes" to a job that would otherwise have tied up every dollar in the shop. That's the whole point — turning a PO you couldn't afford to accept into revenue you actually booked.

Why "approved on deposits" matters for a shop

Traditional lenders want two years of tax returns, a spotless credit report, and collateral — and they still take weeks to say no. But a machine shop's real strength is the money flowing through it: steady deposits from customers paying off invoices. That's what we underwrite. If your bank statements show a real business doing real work, that carries far more weight than a credit number that never reflected how much steel you turn.

It also means the answer comes fast. You're not assembling a loan package for a month while the material price climbs and the customer wonders where their parts are.

Straight answers

How fast can I actually get funded?

If you send your business bank statements and sign before early afternoon Eastern on a weekday, funding can hit the same day. Sign on a Friday and it typically lands Monday. Speed depends on getting us your statements — everything else is on us.

Do you check credit?

We do a soft pull to check your rate, which does not affect your score. Approval is based on your bank deposits, and FICO 500+ is workable.

Can I use this to buy a CNC machine?

Yes. Shops use this funding for used or additional equipment, tooling, and fixtures — as well as for material and payroll. Working-capital funding requires no collateral.

My shop's revenue is lumpy — some months big, some slow. Is that a problem?

No. Lumpy revenue is normal for shops running large jobs on long timelines. We look at the overall deposit picture across your statements, not a single slow week.

How much can I get?

Funding ranges from a $10,000 minimum up to $5M, sized to what your deposits support and what the job in front of you actually needs.

What do you need from me to start?

Your recent business bank statements and a completed application. That's enough to get you a real answer quickly.