Financing for manufacturers
Manufacturing ties capital up twice — in the machines that make the product and in the receivables of the customers who buy it. Voxen Capital structures both sides: equipment financing from $10,000 to $5,000,000 on 24 to 84 month terms matched to a machine's productive life, and invoice factoring from $50,000 to $10,000,000 that converts net-30/60/90 receivables into working capital within 24 hours of setup.
Start an applicationCapital tied up at both ends
A manufacturer buys material on short terms, runs it through machines bought with long money, and sells the output on net-30 to net-90. Growth stretches both ends at once: more orders mean more material bought today and more receivables collected months from now.
Financing the machine against its own productive life is the cleanest structure — the equipment is the collateral, terms run 24 to 84 months, and up to 100% of the cost including installation and freight can be financed, new or used, from any vendor.
Factoring closes the other end: approval follows the credit of the customers who owe you, so an order from a large buyer strengthens the facility rather than straining the balance sheet. The two instruments together let a plant say yes to volume it could not carry alone.
Manufacturing segments we structure financing for
- Metal fabrication and machining
- Plastics, moulding, and extrusion
- Food and beverage processing
- Wood products and furniture
- Electronics and assembly
- Packaging and printing
How manufacturing financing works at Voxen
- Send the quote and the aging — For equipment: the vendor quote and machine specs, new or used. For receivables: your customer list and invoice aging. One application covers both.
- Equipment offer in 24 hours — Most equipment files receive a structured offer within 24 hours — loan, lease, or lease-to-own, matched to your accountant's input on depreciation and tax treatment.
- Factoring facility live in 5-10 days — The receivables facility is placed with the lender that fits your customer concentration and volume; invoices then fund within 24 hours of submission.
- Structures that scale with output — The equipment amortizes on its productive life; the factoring facility grows with billings. Neither caps the other.
The products manufacturers use
Equipment financing carries the machines; factoring carries the receivables those machines produce. Growing plants typically run both.
| Equipment Financing | $25K–$5M · 3–10 business days |
|---|---|
| Invoice Factoring | $50K–$10M · 5–10 business days to set up; 24h per invoice after |
Frequently asked questions
Can I finance used or specialized production equipment?
Yes — used machines, auction purchases, and specialized production equipment are routinely financed, with longer age limits for industrial machinery that has maintenance records. Specialized equipment with a thinner resale market may carry a down payment; you're told upfront what's required.
Can I refinance machines I already own?
Yes. Equipment refinancing advances capital against machines you own outright — the same structure as a purchase, in reverse. It's a common way to fund a large material buy or a new contract without touching the operating line.
My customers pay in 60-90 days. How does factoring help?
The facility advances against each invoice within 24 hours of submission, and the balance (less the fee) is released when your customer pays. Approval follows your customers' credit, so blue-chip buyers make a strong file even for a young plant.
What size facilities are available?
Equipment financing runs $10,000 to $5,000,000 per file on 24-84 month terms. Factoring facilities run $50,000 to $10,000,000 and scale with billings. Both are quoted per file, with no application fee and no credit impact to ask.