MANUFACTURING & FABRICATION • LINE OF CREDITManufacturing and fabrication financing — keep production running
Loot offers manufacturers and fabricators an unsecured business line of credit from $5,000 to $100,000. Use it to cover raw materials, payroll, and equipment, or give your business the room to take on a larger order without draining the cash needed for everything else. Established manufacturing and fabrication businesses with 1+ year in business and $200K+ in annual revenue can check their options with a soft pull. Requests up to $30K get an instant decision, while larger requests may take a few more minutes.
No collateral
No hidden fees 
Same-day funding for $49
Manufacturing challenges: raw materials, production payroll, and payment timing
Manufacturers and fabricators often need to buy raw materials and run a full production shift before a customer's payment ever lands, especially on custom or made-to-order work. When a large order or a busy production run requires more materials and labor upfront, a full order book can put more pressure on cash flow rather than less.
Purchase raw materials before customer payment arrives- Cover production payroll across multi-week build cycles
- Take on a larger order without straining existing production
Where a manufacturing line of credit does the heavy lifting
Six moments when production cash flow needs backup — and how a Loot line of credit can help.
Purchase raw materials before customer payment arrives
Custom and made-to-order manufacturing often requires buying steel, wood, fabric, or other raw materials before a customer's deposit covers the full cost. A line of credit can help secure materials without pulling cash away from the rest of the shop.
Take on a larger production order
A large order can be great for the business, but it may also require a bigger materials buy, additional shifts, and more floor space in use all at once. A line of credit can give manufacturers the working capital to accept and run the order without putting existing production under pressure.
Cover payroll across multi-week build cycles
Production staff still need to be paid whether a job is halfway built or ready to ship. A short-term draw can help cover payroll without taking cash away from materials or equipment.
Handle equipment repairs and downtime
A CNC machine, press, or production line going down can affect every order in the shop, not just one. A line of credit can help cover repair costs or a rental replacement before downtime delays the whole schedule.
Manage tooling and setup costs for new products
A new product line or custom tooling run can require upfront costs before the first unit ever ships. A line of credit can help cover tooling, dies, or setup costs so a new product doesn't have to wait on cash to catch up.
Bridge net-30 or net-60 customer payment schedules
Many manufacturing customers, especially larger commercial buyers, pay on extended payment schedules. A revolving line can help smooth the gap between shipping a completed order and actually being paid for it.
How a manufacturing line of credit helps
A business line of credit for manufacturers and fabricators provides flexible capital for materials, payroll, and equipment. Draw loot when needed, repay as customer payments come in, and keep production running.
Loot for materials
Draw capital instantly to stock raw materials for the next production run.
No hidden costs
Only pay for what you use — no extra fees added to the bill.
Fits any shop size
From a small fabrication shop to a multi-line production facility, the line flexes with your needs.
Trusted by manufacturers and fabricators
Built by operators who understand long build cycles, extended customer payment schedules, and equipment that can't afford downtime. Transparent pricing, no hidden costs.
Speed that keeps the line running
From application to funding, Loot provides manufacturers with capital faster than a production delay can set in.
Flexible like a production schedule
Use a little or a lot. Repay as customer payments clear. Scale limits as the business grows.
How a Loot line of credit works for a manufacturing business
Say your shop needs $22,000 for a raw materials order, an extra production shift, and a repair on a press before a large custom order ships. With Loot, you can draw $22,000 from your approved line.
Before you confirm, you choose a fixed weekly repayment plan upfront, such as 16, 20, or 24 weeks. You see the total cost before you move forward.
If the customer pays sooner than expected and you pay the draw off early, there is no prepayment penalty. Paying off early can save up to 50% of remaining fees.
As you repay, your line revolves — the funds become available again as you pay down the draw. Same-day approval is standard, decisions happen in minutes, and once approved, same-day funding is available for a $49 transfer fee.
Requirements for manufacturing and fabrication financing
To qualify with Loot, your manufacturing or fabrication business needs:
1+ years
$200k+
None
Checking eligibility is a soft pull, so it does not impact your credit score, approved or not. Loot looks at real business cash flow, not just a credit score.
Manufacturing line of credit vs. term loan vs. business credit card
| Features | Business Line of Credit | Term Loan* | Business Credit Card |
|---|---|---|---|
| How you access funds | Draw from an approved credit line when your manufacturing business needs funds | Receive one lump sum upfront | Use the card for purchases up to the credit limit |
| What you pay for | Only the amount you draw | The full loan amount* | Purchases made on the card |
| Repayment | Each draw has a fixed daily, weekly, bi-weekly, or monthly repayment plan chosen upfront | Usually fixed payments over a set term* | Minimum monthly payments, with added fees if a balance carries |
| Revolves? | Yes, available credit returns as you repay | No, it is a one-time loan* | Yes, available credit returns as you pay |
| Best for | Raw materials, production payroll, tooling, and payment gaps | Purchasing production equipment outright | Smaller purchases and everyday expenses |
A term loan* may suit purchasing a large piece of production equipment outright. A business credit card may work for smaller day-to-day expenses. A line of credit can support recurring production costs — materials, payroll, and tooling — while customer payments are still outstanding.
What manufacturers and fabricators can use a line of credit for
- Raw material purchases
- Production payroll across build cycles
- Equipment repairs and rentals
- Tooling and setup costs for new products
- Net-30/net-60 customer payment gaps
- Shipping and freight costs on outbound orders
- Facility and utility costs during a busy run
- Larger orders requiring upfront capacity
Draw funds when the business needs them. Repay on the weekly plan you choose upfront. Keep your treasure chest available as you repay.
Financing for custom and made-to-order manufacturers
Financing for custom and made-to-order manufacturers can help cover materials and labor before a customer's final payment lands. Custom work often requires a deposit that doesn't cover the full cost upfront. A line of credit can help bridge that gap.
Financing for metal and wood fabrication shops
Financing for metal and wood fabrication shops can help cover raw stock, welding supplies, and finishing materials before a job is billed out. A line of credit can help keep the shop stocked between orders.
Financing for small-batch and contract manufacturers
Financing for small-batch and contract manufacturers can help cover materials and payroll when running production for another company's brand. Contract manufacturing often means extended customer payment schedules even after the goods ship. A line of credit can help smooth that gap.
Financing for equipment repairs on the production floor
Financing for equipment repairs on the production floor can help when a CNC machine, press, or conveyor line needs work. Downtime on one machine can delay every order behind it. With Loot, you can draw for the expense, see the total repayment before confirming, and pay it down early if payments clear sooner.
Financing for tooling and new product setup
Financing for tooling and new product setup can help cover dies, molds, or fixture costs before a new product line ever ships. A line of credit can help cover these upfront costs without pulling cash away from existing production.
Financing for growing manufacturing businesses
Financing for growing manufacturing businesses can help fund an additional shift, more floor space, or a larger raw materials order needed to take on bigger contracts. A line of credit can give a growing shop the working capital to say yes to bigger opportunities.
Manufacturing & fabrication financing FAQs
Loot has no minimum FICO score requirement. Underwriting looks at real business cash flow, not just a credit score. Your manufacturing business still needs 1+ year in business and $200K+ in annual revenue to qualify.
Manufacturers can get a decision in minutes, and same-day approval is standard. Once approved, same-day funding is available for a $49 transfer fee.
No. Checking eligibility with Loot is a soft pull. It does not impact your credit score, approved or not. You can review your options before deciding whether to draw from the line.
Yes. Manufacturers and fabricators can use a Loot line of credit for raw materials, production payroll, tooling, equipment repairs, and other business costs. You see the total cost before confirming and only pay when you draw.
Yes. A revolving line of credit can help cover production costs while waiting on extended customer payment schedules, so a business doesn't have to slow down production to manage cash flow.
No. Equipment financing is usually tied to a specific piece of equipment as collateral. A Loot line of credit is unsecured working capital you can use for materials, payroll, repairs, or any other business need — not limited to a single purchase.
Apply for manufacturing and fabrication financing today
If you're buying raw materials before a customer's payment lands, or covering payroll across a long build cycle, a line of credit can give your manufacturing business more room to move.
Get $5,000 to $100,000. Apply in minutes with a soft pull that will not impact your credit score. If approved, you can draw what you need, see the total cost before confirming, and keep your treasure chest available as you repay.
No collateralNo hidden fees Same-day funding for $49