Capital that respects the production cycle.
One CNC mill can run six figures. A full line with automation can run seven. Then the raw materials, the WIP inventory, and the distance between shipping a completed order and collecting on a 60-day net invoice. That is before you consider a facility expansion. A bank looking at straight cash-flow coverage usually misprices this. Asset-based lenders and SBA 504 price it correctly because they look at the collateral, the order book, and the equipment value rather than a single operating ratio.
Your underwriter will usually stack two or three products at once. Equipment financing on the machines. A revolving line or an asset-based facility on the working capital side. SBA 504 if a facility purchase is in play. You should not have to run three separate applications to three separate brokers to make that happen. At Optain you run one.
- CNC machines, fabrication equipment, and full production line purchases
- Raw material inventory and supplier deposits
- Owner-occupied facility purchases, expansions, and plant upgrades
- Working capital across long builds and 60-day B2B receivables
We have done this before. A lot.
One application reviewed against 16+ funding products, including equipment financing, SBA 504, asset-based lending, AR financing, and working capital lines
A single dedicated underwriter from intake through funding and beyond. From machine quote to SBA package
Equipment financing on CNC, press brakes, injection molding, and full production lines with long-term repayment
SBA 504 loans up to $5.5M for owner-occupied facility purchases and plant expansions
Asset-based lending that borrows against inventory, equipment, and receivables together
Underwriting built around production cycles, WIP, and B2B receivables rather than generic retail cash flow
The products that actually move the needle here.
Things manufacturing owners ask first.
Yes. Equipment loans and leases scale from a single CNC to a full automated cell. On the largest investments, SBA 504 usually delivers the best combination of term length and down payment. Your underwriter will compare the structures and show you total cost on each.
A working capital line or an asset-based facility handles it. You borrow against inventory and receivables, pull funds when you need to buy raw materials, and pay the line down as product ships and customers remit. This is the standard structure for any manufacturer running consistent order volume.
Yes. SBA 504 is built specifically for owner-occupied real estate. Down payments run as low as 10 percent on facility purchases up to $13.75M. It is usually the cheapest long-term money a manufacturer can access. If the timeline is tighter than SBA allows, a bridge loan can close first with a 504 takeout later. Your underwriter will walk you through both paths.
Yes. AR financing and asset-based facilities both handle that. We will price a standalone AR line and an ABL package that bundles AR with inventory and equipment. One of them is almost always cheaper than the other for any given balance sheet.
Funding built around manufacturing.
Tell us about your operation and we will route you to the lenders that already understand it.
Soft credit pull. No hard inquiry unless you accept terms.