INDUSTRY FUNDING
You pay for materials, production, and freight months before your customers pay you. Coast funds the gap between the purchase order and the receivable.
A purchase order is a promise, not a payment. Between the PO and the cash sits everything you have to fund yourself: raw materials, production runs, packaging, freight — often with deposits due to your own suppliers before the first unit ships. The bigger the order, the wider that gap gets. Growth in manufacturing has a way of feeling like a cash shortage.
Sell into big-box retail or large distributors and the terms stretch further: net-60 is standard, net-90 isn't rare, and if production runs overseas you're wiring deposits 45 to 60 days ahead of delivery on top of it. That's one cash cycle stacked on another — materials paid, goods on the water, invoice not yet due — while payroll and the next PO won't wait.
Coast funds manufacturers, wholesalers, and distributors with working capital that follows the order cycle, equipment financing for the floor, and approvals that scale with your revenue rather than capping at what a scorecard expects a small factory to need.
Buy the steel, resin, fabric, or components a signed order requires without draining the operating account.
Big-box and distributor customers pay slowly by design. Keep producing while the invoices season.
CNC machines, packaging lines, forklifts, compressors — financed over 2 to 5 years with the equipment as collateral.
Manufacture or stock ahead of your busy quarter so you're filling orders instead of quoting lead times.
Cover factory deposits, ocean freight, and landed costs while goods are still 45 to 60 days out.
Keep skilled operators paid and lines running between shipment milestones and customer payments.
| Your situation | The fit | Why |
|---|---|---|
| Materials to buy now; customer pays in 60 to 90 days | Working Capital | Capital that follows your order cycle, terms from 6 to 24 months |
| A machine that raises throughput or wins the next contract | Equipment Financing | Up to $5M over 2 to 5 years — the equipment is the collateral |
| PO-to-payment gaps that repeat every cycle | Business Line of Credit | Draw as needed, pay only on what you use ($200K+ revenue) |
| A defined expansion — a line, a shift, a warehouse | Business Loan | Lump-sum capital with a fixed payment schedule |
| A major long-term project with time to plan | SBA Loans | $50K–$5M with longer terms for qualified borrowers |
| A smaller need you'd rather handle fully online | Swell — our online revenue advance | 15-minute application, draw as needed, pay only for what you use |
An $11M wholesale distribution company in the Southwest came to Coast asking for $300K toward equipment. Underwriting reviewed the revenue and approved up to $750K — more than double the ask. The owner drew $250K on a 12-month term, funded in 6 days, and kept the rest of the approval in reserve. That's how approvals should work at scale: sized to the business, drawn to the need.
A Southern California action-sports tool manufacturer runs 75 to 80 percent of its production overseas with a 45-to-60-day turnaround — and its big-box retail customers pay in about 60 days. Two cash cycles, stacked. Coast structured an $8K inventory bridge on a 10-month term so factory orders kept moving while retail invoices seasoned. Modest dollars, but exactly the working-capital math this industry lives on.
A specialty mushroom grower-wholesaler in Southern California needed inventory and supplies funded ahead of its sales cycle. Coast opened a working capital line of roughly $40K on a 9-month term, referred in by a strategic partner. The line covered the buy; the sales covered the line.
Coast works with established manufacturers, wholesalers, and distributors. The floors are simple — and approvals scale well past them.
Whether you run a two-person shop or an eight-figure distributor, your advisor reviews the full picture — revenue, POs, and pipeline — and gives you a clear answer either way.
Yes — funding the costs a signed PO creates is one of the most common manufacturing requests we see. Working capital covers materials, production, and freight while the order works through to payment, and receivables-driven structures can help when invoices are already out the door. Your advisor sizes the amount to the order economics, not a generic formula.
It happens regularly, because Coast approvals are based on revenue. One $11M wholesale client requested $300K and was approved for up to $750K — then drew only the $250K the project needed. An approval is capacity, not an obligation: you take what the work requires and leave the rest in reserve.
Yes. Used CNC machines, packaging equipment, forklifts, and other plant machinery qualify for equipment financing, with the equipment itself as collateral and terms of 2 to 5 years. An invoice or purchase agreement from the seller — dealer, auction, or another shop — is typically what our equipment team needs to start.
No — slow-paying anchor customers are the norm in manufacturing and wholesale, and underwriting reads them as quality receivables, not weakness. Landing a big-box or national distributor account is a strength. The financing exists precisely because their payment terms and your production costs don't line up, and payment schedules can be built around that cycle.
Both. Coast funds the full chain — manufacturers, wholesalers, distributors, and importers. The cash-flow mechanics rhyme across all of them: inventory and freight paid up front, receivables collected later. If your capital is sitting in a warehouse or on the water, our working capital and inventory programs are built for you.
No. You draw what the business needs and leave the rest. Plenty of clients take a fraction of their approval — $250K against a $750K approval, for instance — because the right amount is the one the order or project actually requires. Responsible sizing keeps payments comfortable and keeps the relationship renewable.
A short application and recent business bank statements are all it takes to start, with no hard credit pull to apply. For equipment, include the invoice or purchase agreement; for larger working-capital requests, having your major POs or customer terms handy helps your advisor structure the right amount and term quickly.
A dedicated Business Funding Advisor can structure capital around how your business actually operates. No hard credit pull to apply.
*Closing documents must be completed by 11 AM PT Monday through Friday to receive funds the same business day. Weekend approvals will be processed the following business day.
Client examples reflect actual funded transactions with identifying details removed; individual results vary and are subject to underwriting approval.
Certain programs may be made available or arranged pursuant to California Financing Law License No. 60DBO-146720.