Manufacturing
Working capital for
manufacturing.
Buy raw materials in bulk, fulfill larger purchase orders, and invest in machinery without idling production. Working capital up to $5M aligned to production and PO cycles.
- Up to $5M
- No hard credit check
- Same-day decisions
- All 50 states
Funding manufacturing
How PIRS funds manufacturing.
Manufacturing cash flow sits between two timelines: raw materials and labor go out today, the customer pays on net-60 or net-90. A bigger PO is a good problem, and a working-capital problem.
PIRS underwrites trailing deposits and structures repayment around production and PO cycles. Subordination flexibility means an existing equipment lender doesn't block you from drawing operating capital for the next run.
Inputs today, customer payment on net terms. We fund the working-capital gap in between.
Common use cases
What manufacturing operators actually use working capital for.
Drawn from real PIRS-funded files across the category.
Raw-material & component bulk buys
Capture volume discounts on steel, plastics, electronics, packaging, or specialty inputs ahead of a production run.
Fulfilling a PO that strains current cash
Procure inputs and run the line on a new purchase order before the customer settles on net terms.
Machinery upgrades & automation
CNC, robotics, vision systems, tooling, and process automation, funded without raiding operating cash.
Hiring an additional shift
Expand production capacity by adding a second or third shift ahead of demand ramp.
Bridging net-60 / net-90 customer terms
Cover the gap between cost outlay and customer payment so cash doesn't dictate which POs you can take.
Certification, compliance & safety
ISO, FDA, food-safety, OSHA upgrades and audits, funded on a timeline that matches the inspector, not the bank.
Why PIRS
Why manufacturing operators choose PIRS.
Underwriting tuned to how your category actually earns, not a generic credit box.
Tuned to PO & production cycles
We expect customer cycles to lag costs. Structures sized to your actual production-to-payment timeline.
Subordination flexibility
Equipment financing in place is not an automatic decline. We structure around your existing lender stack.
Bank statements only
Most files approve without tax returns or full financial packages. Bank statements alone are usually enough.
Same-day soft offers
When a PO has a window, a same-day decision means you can commit to materials without waiting on a bank.
A note on eligibility
A few sub-segments aren't eligible.
We say no up front. It saves everyone time.
- Cannabis cultivation and processing operations are not eligible.
- Firearm and ammunition manufacturers are not eligible.
Questions we hear most
Manufacturing: what operators ask first.
Can a manufacturer use working capital to fulfill a PO?
Does PIRS fund contract manufacturers?
How does working capital pair with equipment financing?
How fast can a manufacturer get funded?
Are smaller machine shops eligible?
Adjacent verticals
Other industries we fund.
Many operators run businesses that straddle categories. Here are a few we underwrite alongside this one.
- BBB A+ Accredited
- Trustpilot
Working capital built for manufacturing.
Apply in minutes for a soft offer with no hard credit check. A real person works your manufacturing file from start to finish.