Receivables financing for manufacturers

Manufacturing receivables financing advances working capital against invoices you’ve billed to large retailers, OEMs, and distributors — so materials, labor, and the next production run aren’t waiting on net terms. BuildUp Capital provides it as a receivables-backed line of credit, underwriting the credit strength of your buyers. The line scales with your order book. Available nationwide; if you qualify, you’ll know quickly.

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Manufacturing locks up cash in the gap between buying raw materials and getting paid for finished goods. You purchase inputs, run the line, ship the order — then wait 30, 60, or 90 days for a large buyer to pay. A growing order book makes the squeeze worse, not better, because every new order demands materials and labor up front.

We finance the receivables your shipped orders generate, secured by what creditworthy retailers, OEMs, and distributors owe you. That converts your invoiced sales into working capital now, so you can fund the next run instead of turning down volume.

How it works

From unpaid invoice to working capital

Bring your buyer invoices

Tell us who you sell to — retailers, OEMs, distributors — and what’s outstanding on shipped orders.

We underwrite your buyers

We assess the creditworthiness of the companies that owe you and the quality of your invoicing, not just your own balance sheet.

Draw and repay as buyers pay

Advance against eligible receivables as you ship and invoice, and repay as buyers pay. The line grows with your order book.

Manufacturers we finance

  • Contract and OEM manufacturers
  • Food, beverage, and CPG producers
  • Industrial and metal fabrication
  • Consumer-goods manufacturers selling to retail
  • Packaging and materials producers
  • Suppliers billing large, creditworthy buyers

Common questions

Questions about manufacturing receivables financing

What manufacturing receivables can be financed?
Invoices for shipped or delivered orders owed by large, creditworthy retailers, OEMs, and distributors on standard terms. The strength of who owes you is central to underwriting.
Can this help fund my next production run?
Yes. By advancing against invoices you’ve already billed, the line frees cash to buy materials and cover labor for the next order rather than waiting on buyer payment.
Is this purchase-order financing?
It’s receivables financing — advancing against invoices for goods already shipped. If your need is funding a purchase order before production, tell us and we’ll talk through the right structure honestly.
Factoring or line of credit?
A receivables-backed line of credit — you borrow against invoices and keep your buyer relationships, rather than selling the invoices to a factor.
Do I need real estate?
No — the line is secured by your receivables. If you own property and need a larger facility, we can lend against real estate separately.

How we structure it

Receivables programs behind this

Payroll financingPayroll financing that turns unpaid client invoices into cash to make payroll on time.Learn more →Government-receivables financingFinancing against receivables owed by federal, state, and local government agencies.Learn more →Invoice factoringAn alternative to traditional invoice factoring: a receivables-backed line of credit that turns unpaid B2B invoices into working capital while you keep your.Learn more →

Other industries we finance

All receivables financing →

Stop waiting on net-60 to fund your business.

Tell us who owes you. If your receivables are owed by large, creditworthy companies or government agencies, you’ll know quickly — and a real person typically responds within 24 hours.

Get working capital →Give us a call