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 to $5M, ~9.25%), SBA 504 (~5.80% fixed for plant + heavy equipment), SBA MARC (FY2026 revolving credit up to $5M), equipment financing (5 to 9% on CNC + robotics, 100% LTV), and USDA B&I for rural plants ($200K to $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 to 25 yr |
| SBA 7(a) | 9.25 to 10.25% | 10 to 25 yr |
| SBA MARC (Revolving) | Prime + 2.75 to 3.00% | Revolving |
| Equipment Financing | 5 to 9% | 3 to 7 yr |
| USDA B&I (Rural) | 6 to 8% | 10 to 30 yr |
| Working Capital / ABL | 8 to 15% | Revolving |
Every rate and term shown is what independent third party lenders in the PeerSense network offer, indicative as of April 27, 2026. These are not PeerSense rates and not a PeerSense facility: PeerSense sources capital through a curated network of commercial lenders and capital sources, and does not fund, provide, or approve financing. The funding lender sets its own pricing after full underwriting. Actual pricing depends on credit, collateral, sponsor experience, and program.
Indicative only, as of April 27, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Why Manufacturers Choose PeerSense
Indicative as of October 1, 2026. Not a quote. Lenders set final pricing at underwriting.
Archetypes our SBA + equipment desk underwrites, drawn from FY2026 SBA program ranges and current equipment market.
Search only. Not a growth lane. Standby seller note credited as equity.
Search only next to the growth lanes. Structured to capture Section 179 in the current tax year.
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
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
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Lender shortlists, capital stack guides, and specialty manufacturing scenarios.
PeerSense covers the full commercial capital stack. These are indicative levels direct capital sources have been pricing across these programs as of October 1, 2026.
Focus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
B2B invoices from $20 million a month. Advance 80 to 95 percent of face.
10 year Non Recourse fixed, $10 million and up, fully assumable
$10 million and up. Cash in about 35 percent. Name the takeout first.
$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel financing is search only for $10 million and up, with cash in about 35 percent.
Non bank flexibility for commercial real estate at $10 million and up.
Search path. Not a growth lane on this desk.
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Access cash tied up in unpaid receivables, usually after the file is on the desk 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.
$10M 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 to 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. Talk to PeerSense. The capital source sets the terms.
Equipment on this desk follows the book. CRE from $10 million and up. Talk to PeerSense.
CNC machines, presses, and production equipment. Follows the book. There is no 5 day close.
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.
Talk to PeerSense on the structure that fits the file.
Working capital on this desk is B2B factoring from $20 million a month. Originator tapes from $100 million a month. $7,500 five day paper is a pass. Talk to PeerSense.
Revolving credit on receivables and inventory. This desk works files from $20 million a month. $250K paper is a pass.
Sell outstanding B2B invoices. This desk works files from $20 million a month.
Originators from $100 million a month. ABL on a real book, not $7,500 payday paper.
Own your facility instead of leasing. Public floor is $10 million and up. Cash in about 35 percent. Talk to PeerSense.
Buy or construct your own manufacturing facility. SBA 504 is search only. CRE on this desk is $10 million and up. Talk to PeerSense.
Move on a facility acquisition or transition while permanent financing is arranged. Name the takeout first. There is no 5 day close.
Finance HVAC, solar, lighting, roofing, and energy improvements. Public CRE floor is $10 million and up. Talk to PeerSense.
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 to $5M | 9.25 to 10.25% | 10 to 25 yr | 90% |
| SBA 504 | Plant purchase, heavy equipment, facility expansion | $125K to $5.5M | ~5.80% | 10 to 25 yr | 90% |
| SBA MARCTOP PICK | Revolving credit for manufacturers (new FY2026) | $50K to $5M | 9.25 to 10.25% | Revolving | N/A |
| Equipment Financing | CNC machines, assembly lines, robotics, tooling | $10M and up | 5 to 9% | 3 to 7 yr | 100% |
| USDA B&I | Rural manufacturers, plant construction | $200K to $25M | 6 to 8% | 10 to 30 yr | 80% |
| Working Capital / ABL | Inventory financing, AR lines, supply chain capital | $10M and up | 8 to 15% | Revolving | N/A |
PeerSense sources capital through a curated network of commercial lenders and capital sources. Rates are estimates. Actual terms vary by capital source.
Current market intelligence from capital sources, 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, opening 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 to 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.