For U.S. manufacturing business owners
Build capacity.
Keep production moving.
Materials and payroll come due before customers pay. New equipment brings installation and ramp-up costs. Unicus helps you evaluate financing for the full business need—alongside your cash flow, existing debt, and growth plans.
Request a Manufacturing Capital ReviewWorking capital · Equipment · Facilities · Expansion
The production cash cycle
The order is a milestone.
Getting it out the door takes capital.
A larger order can put more pressure on cash before it produces more revenue. Supplier deposits, materials, payroll, and work in process may need funding well before the customer pays. The financing question is how much cash the job requires, for how long, and what repayment the business can support.
Secure materials.
Plan for supplier terms, inventory needs and deposits.
Run the operation.
Account for payroll, overhead and work in process.
Fulfill the order.
Understand the time between delivery, invoicing and payment.
Prepare for what’s next.
Keep operating needs visible when planning new capacity.
More than one use of capital
Start with your operation.
Then evaluate the financing.
A recurring production cash gap and a long-term equipment investment are different needs. Our review starts with what the capital must accomplish, when you need it, and how repayment fits your business. We discuss potential financing paths and the information needed to evaluate them further.
Start with your next business move ↗Fund an upcoming production run
Plan for materials, payroll and the time until customer payment is collected.
Add or replace equipment
Consider the machine, installation and the cash needed while it becomes productive.
Expand operating capacity
Plan for additional output, staff or facilities, backed by a realistic financial plan.
Your manufacturing capital review
Understand the next step for your financing.
Define the need.
What do you manufacture, what needs funding, and when does the business need it?
Review the financial picture.
Consider operating cash flow, existing obligations, available assets and the proposed investment.
Identify the next step.
Discuss your capital need, the financial factors affecting your options, and the information needed for further evaluation.
Manufacturing financing pathways
Programs matter.
Business fit comes first.
Manufacturer-focused programs may be part of the conversation. Each has its own purpose, eligibility and underwriting requirements.
SBA manufacturing credit
Manufacturers in NAICS sectors 31–33 may be eligible for SBA term or revolving credit through MARC, subject to program requirements and lender underwriting.
Explore this program with your advisor.
Expanded SBA trade-loan access
Eligible manufacturers may access SBA International Trade Loans through the expanded import-competition pathway, subject to credit requirements and a demonstrated improvement in competitive position.
Explore this program with your advisor.
EXIM equipment support
Manufacturers with a qualifying export connection may be eligible for equipment-financing support through EXIM’s Make More in America initiative.
Explore this program with your advisor.
Program references checked October 27, 2026. Availability and terms may change. Government guarantees support participating lenders and do not constitute a funding commitment to your business. Unicus Capital is not a government agency.
Practical questions
Before we talk.
Do I need to export to explore manufacturing financing?
No. Some financing paths serve domestic manufacturers. Export-related programs have additional requirements; the appropriate route depends on your business and the use of funds.
Can we look at equipment and working capital together?
Yes. The review considers the full business need, including the equipment and the operating cash around it. The appropriate financing may involve one structure or more than one.
What should I prepare?
Start with what you manufacture, your estimated capital need, timing, recent financial performance and existing debt. If you are buying equipment or expanding a facility, an estimate or proposal helps frame the discussion.
What happens after I request a review?
An advisor reviews the context you share and follows up to discuss the business need, potential options and what to prepare for the next step.
Start with your operation
What would the right capital help you produce?
Tell us about your manufacturing business and the decision in front of you.