Small manufacturers run a working-capital gauntlet: material buys up front, production in the middle, customers paying net-45 to net-90. A revenue purchase funds the gap so the shop can say yes to bigger POs. This is boutique funding: a person reads your file, not a scoreboard.
Steel, resin, electronics — the buy happens weeks before production and months before payment. Every new PO is a cash commitment before it is revenue.
Land the bigger account and watch the terms drift from net-30 to net-60 with a smile. Growth in manufacturing literally consumes cash.
One spindle failure or compressor rebuild idles the whole floor while payroll keeps running. The repair bill is never the expensive part.
Banks lend against receivables and equipment only after two-plus years of audited-looking history. A young shop with $80k months and a folder of POs gets told to come back later — while the POs expire.
Asset-based lenders exist for exactly this gap, but their minimums and monitoring fees are built for $5M companies, not a six-person job shop.
Manufacturing deposits arrive in waves tied to shipment milestones. We underwrite the blended monthly rhythm, advance $15k–$50k+, and remit weekly — small enough to ride the quiet weeks, settling faster when the big invoices pay.
The highest-leverage use is almost always material for a signed PO: buy at volume pricing, ship on time, and bank the margin while competitors quote six-week lead times. Sharp terms, straight answers — that is the whole Cutting Cap model.
Fixtures, tooling, and setup for the repeat order — the spend that turns a one-off into an annuity.
Fund the raw material at cash prices for the order you already won. Volume discount plus on-time delivery is the whole game.
A used machining center or laser that doubles throughput — bought before the backlog walks to the shop down the road.
We advance against your overall revenue rhythm, not individual POs — no notices to your customers, no assignment of invoices. Use the money on whichever PO needs it.
No. We read the average and the trajectory across three months of statements. Uneven is the norm in job shops — expected, not penalized.
No equipment liens. The purchase is sized to cash flow and remitted weekly from your business account.
A $15,000, $25,000, or $50,000 revenue purchase — and those are floors, not ceilings. We fund more when the financials support it. Apply in four minutes; decision in 24–72 hours.
