Equipment finance, working capital, real estate acquisition, and business expansion funding for manufacturers who need capital that moves as fast as their operations.
Manufacturers stack SBA 7(a) ($50K–$5M, ~9.25%), SBA 504 (~5.80% fixed for plant + heavy equipment), SBA MARC (FY2026 revolving credit up to $5M), equipment financing (5–9% on CNC + robotics, 100% LTV), and USDA B&I for rural plants ($200K–$25M). FY2026 fee waivers eliminate guarantee fees on SBA loans under $1M.
— PeerSense Capital Advisory · Updated April 27, 2026
As of
| Program | Current Rate | Term |
|---|---|---|
| SBA 504 (Plant + Heavy Equipment) | ~5.80% | 10–25 yr |
| SBA 7(a) | 9.25–10.25% | 10–25 yr |
| SBA MARC (Revolving) | Prime + 2.75–3.00% | Revolving |
| Equipment Financing | 5–9% | 3–7 yr |
| USDA B&I (Rural) | 6–8% | 10–30 yr |
| Working Capital / ABL | 8–15% | Revolving |
Indicative May 2026 ranges. Actual pricing depends on credit, collateral, sponsor experience, and program. Source: PeerSense lender panel.
Why Manufacturers Choose PeerSense
Archetypes our SBA + equipment desk underwrites — drawn from FY2026 SBA program ranges and current equipment market.
Standby seller note credited as equity — minimizes buyer cash injection
Structured to capture Section 179 / bonus depreciation in current tax year
Indicative of deal types our institutional capital advisory desk structures. Not a representation of completed transactions. Specific deal data available under NDA on request.
Updates instantly · Estimates only · Talk to PeerSense for committed pricing
Lender shortlists, capital-stack guides, and specialty manufacturing scenarios.
PeerSense covers the full commercial capital stack. Rates and structures across our money pages — updated weekly.
Up to $5M acquisition / real estate / equipment, 10% down
10-yr non-recourse fixed, $5M–$500M+, fully assumable
12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
30-yr fixed rental, qualifies on property cash flow
Loan, lease, SBA 504, vendor, captive — Section 179 eligible
CMBS + SBA 504 + bridge + PIP across all flags
Subordinate to senior, $1M–$50M, capital stack fill
Non-bank flexibility, unitranche, recap, transitional
B2B receivables, trucking / staffing / construction / govt
Unlock cash tied up in unpaid receivables, usually within 24 to 48 hours of invoice generation. No waiting 60 to 90 days.
Use existing inventory as collateral for a revolving credit line. Fund large purchase orders and seasonal production cycles without burning cash reserves.
$500K to $100M+ for new or used manufacturing equipment. Structure as a loan or lease depending on tax and balance sheet goals.
Up to $10 million for qualifying U.S. manufacturers under NAICS codes 31 through 33. Covers facility purchase or expansion, heavy equipment, production line upgrades, acquisition of another U.S. manufacturer, reshoring operations, and vertical integration. This is the SBA's first loan program built exclusively for manufacturers.
Acquisition and expansion financing up to $5M standard, up to $10M for manufacturers qualifying under MARC. Can be layered with bank participation for larger transactions.
Revolving credit for payroll, raw materials, and operational gaps during growth cycles.
The SBA offers three primary programs for manufacturing businesses, each designed for different capital needs. PeerSense helps you choose the right structure — or stack multiple programs.
The first-ever manufacturer-specific SBA loan program. NAICS 31-33 only. Designed for inventory, payroll, raw materials, and operational cash flow.
The workhorse of manufacturing finance. Use for acquisition, working capital, equipment, real estate, or refinancing existing debt.
Fixed-rate financing for buildings and heavy equipment. Manufacturers get higher loan limits ($5.5M vs. $5M standard). 10% down payment typical.
Most manufacturers don't realize you can combine SBA programs. Example: Use SBA 504 to buy your building (10% down), SBA MARC for working capital, and equipment leasing for your production line — all at the same time. PeerSense structures these deals every day.
From $500 startup equipment leasing to $100M heavy-iron transactions. All credit profiles. Lease or loan.
Get your first CNC machine, press, or production equipment with minimal credit history. Startup-friendly programs available.
Finance production lines, robotic systems, industrial presses, and material handling equipment. Lease or loan structures.
Large-scale manufacturing equipment, automated systems, and facility-wide upgrades. Institutional capital available.
Equipment Lease: Lower monthly payments, easier approval, tax advantages, upgrade flexibility. Best for technology that evolves quickly.
Equipment Loan: You own the asset, builds equity, better for long-life equipment like presses and heavy machinery.
PeerSense helps you choose the right structure based on your equipment type, cash flow, and tax situation.
Manufacturing cash flow is lumpy — large material purchases, long production cycles, delayed customer payments. PeerSense has working capital solutions that match your operational reality.
Revolving credit line secured by receivables and inventory. $250K–$30M. Advances against eligible collateral as you invoice.
Sell your outstanding invoices for immediate cash. Non-recourse options available. Works for contract manufacturers and B2B suppliers.
When you need cash for payroll, materials, or operational gaps. 24-hour to 5-day funding. $7.5K–$1M+.
ABL: Best for established manufacturers with consistent receivables and inventory. Scales as you grow.
Factoring: Best for contract manufacturers or suppliers with creditworthy customers. Get paid immediately instead of waiting 30–90 days.
Fast Working Capital: Best for urgent needs — payroll gaps, material purchases, or seasonal cash flow. Speed over everything.
Don't forget: the new SBA MARC program offers up to $5M in revolving working capital specifically for manufacturers (NAICS 31-33). Lower rates than conventional working capital, and it can be stacked with other financing.
Learn About SBA MARCOwn your facility instead of leasing. Build equity, control your space, and lock in fixed costs. PeerSense structures real estate financing for manufacturers at every stage.
Buy or construct your own manufacturing facility with just 10% down. Fixed rate for 20–25 years. Manufacturers get higher loan limits.
Move fast on a facility acquisition or transition while permanent financing is arranged. Close in 2–4 weeks.
Finance HVAC, solar, lighting, roofing, and energy improvements. No income docs required. Repaid through property tax assessment.
If your manufacturing facility is located in a rural area (population under 50,000), you may qualify for USDA Business & Industry loans — one of the most underutilized programs in manufacturing finance.
Most areas outside major metro centers qualify as "rural" under USDA definitions — including many towns with populations up to 50,000. If you're manufacturing outside a major city, there's a good chance you qualify.
PeerSense works with USDA-approved lenders and can help you determine eligibility and structure your application.
We work with companies that already have consistent revenue, real customers, and proven operations. The ideal PeerSense manufacturing client:
Has $1M+ in annual revenue with 12+ months of operating history
Produces physical goods in the United States
Is preparing for expansion, production scale-up, or acquisition
Needs capital to move faster than competitors — not to survive
If you are a startup or pre-revenue manufacturer, SBA and institutional lenders are not yet the right fit. When you are ready, we will be here.
The SBA MARC program created a lane that most capital advisors have not caught up to yet. U.S. lenders are actively prioritizing manufacturers who produce domestically, create American jobs, and strengthen domestic supply chains. Deals that fit this profile move faster and get better terms than they would have three years ago.
If your company makes a physical product in the United States and you can show real revenue, real payroll, real equipment, and real production — you are exactly the kind of business these programs were designed for.
Rate estimates as of March 2026. Actual rates depend on borrower profile, collateral, and deal structure.
| Loan Type | Best For | Range | Est. Rate | Term | Max LTV |
|---|---|---|---|---|---|
| SBA 7(a) | Business acquisition, expansion, working capital | $50K–$5M | 9.25–10.25% | 10–25 yr | 90% |
| SBA 504 | Plant purchase, heavy equipment, facility expansion | $125K–$5.5M | ~5.80% | 10–25 yr | 90% |
| SBA MARCTOP PICK | Revolving credit for manufacturers (new FY2026) | $50K–$5M | 9.25–10.25% | Revolving | N/A |
| Equipment Financing | CNC machines, assembly lines, robotics, tooling | $25K–$10M | 5–9% | 3–7 yr | 100% |
| USDA B&I | Rural manufacturers, plant construction | $200K–$25M | 6–8% | 10–30 yr | 80% |
| Working Capital / ABL | Inventory financing, AR lines, supply chain capital | $50K–$10M | 8–15% | Revolving | N/A |
PeerSense is a capital connector only — not a lender. Rates are estimates; actual terms vary by lender.
Current market intelligence from our lender network — not generic advice.
Diversified customer base — manufacturers with no single customer above 25% of revenue are in the strongest borrowing position
Modern equipment with remaining useful life — CNC equipment, robotics, and automated systems serve as strong collateral and signal operational efficiency
Government or defense contracts — federal contracts provide revenue certainty that lenders value highly — opens SBIR, SBA 8(a), and specialty programs
Own the facility — manufacturers who own their plant can leverage SBA 504 for expansion and use the real estate as collateral for equipment lines
Gross margins above 30% — lenders look at gross margin as a proxy for pricing power and operational efficiency in manufacturing
Rural location (for USDA B&I) — facilities in towns under 50,000 population qualify for USDA Business & Industry loans with favorable terms and government guarantee
Single-customer dependency — if one customer represents 50%+ of revenue, losing that contract would collapse the business — lenders price this as extreme risk
Obsolete equipment with no capex plan — aging production lines signal declining competitiveness and future capital needs that compete with debt service
Environmental liabilities — contamination, hazardous waste violations, or EPA actions create open-ended liability that kills financing
Declining revenue trend — three consecutive years of revenue decline is a significant red flag regardless of current profitability
Lease expiring within 5 years — moving a manufacturing operation is extremely expensive — short leases create existential risk for lenders
The SBA MARC (Manufacturing Assistance Recovery Credit) program launched in FY2026 gives manufacturers access to revolving credit through SBA-backed lines — a tool that previously did not exist. Combined with FY2026 fee waivers on loans under $1M and expanded 504 limits for manufacturers, this is the strongest SBA environment for manufacturing in a decade. Equipment financing is also highly competitive: lenders are offering 100% financing on modern CNC and robotic equipment with 24-48 hour approvals.
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Full guide to SBA programs for manufacturers
Finance CNC, robotics, and production equipment
Borrow against inventory, receivables, and equipment
Buy or refinance your manufacturing facility
Supply chain capital and inventory financing
Instant qualification check on your manufacturing deal
The SBA MARC (Manufacturing and Retail Credit) program launched in October 2025 as the first-ever manufacturer-specific SBA loan program. It provides up to $5M in revolving working capital exclusively for manufacturers (NAICS codes 31-33). Unlike traditional term loans, MARC works like a credit line — you draw funds as needed for inventory, raw materials, payroll, and operational expenses. It offers lower rates than conventional working capital and can be stacked with other SBA programs like 504 for real estate or equipment financing.
Whether you need equipment, working capital, or real estate financing, PeerSense connects you with the right capital source for your manufacturing operation.