Capital that scales the line.
Heavy equipment, working capital and receivables financing for manufacturers, fabricators and producers across the SH-130 industrial corridor and the Samsung/Tesla supplier base in Central Texas.
Manufacturing in Central Texas looks nothing like the heavy industrial base of Houston or the Metroplex, and that distinction matters when financing it. The SH-130 corridor east of Austin has filled with light industrial and advanced manufacturing space, anchored at the north end by Samsung's massive Taylor fabrication build and at the south end by Tesla's Giga Texas plant near the airport. Around those anchors, a supplier ecosystem has grown that handles precision machining, semiconductor tooling, battery components, electrical assemblies, and contract manufacturing. Food and beverage co-packing has expanded across Buda, Kyle, and San Marcos, serving the dense local CPG and craft beverage scene. Custom millwork shops supply the downtown and Hill Country construction markets, and a small but real aerospace cluster operates around Georgetown and the Austin Executive Airport corridor. Most of these operators run between ten and two hundred employees.
Financing patterns in Austin manufacturing center on equipment, real estate, and the working capital gap between order and payment. CNC machining, laser cutting, injection molding, and packaging line acquisitions almost always use equipment financing structured against the iron, with terms ranging from five to seven years depending on the asset. Manufacturers buying or building their facility lean heavily on SBA 504, which is purpose-built for owner-occupied industrial real estate and offers fixed-rate twenty-five year money on the CDC portion. Acquisitions of competitor shops, partner buyouts, and goodwill-heavy transitions use SBA 7(a), often structured with seasonal payment flexibility. Working capital lines and AR financing are essential for any contract manufacturer with sixty-plus day payment terms from large industrial customers, and we routinely structure facilities sized to peak seasonal AR rather than average balances. Invoice factoring fits operators with a small customer concentration of large, slow-paying buyers.
The Austin nuance that reshapes underwriting here is the Samsung and Tesla supplier-chain story, which has changed how credit committees read smaller manufacturers in the region. A precision machining shop with a documented purchase order pipeline from a tier-one Tesla supplier underwrites very differently than the same shop with diversified small-customer revenue, and brokers who can document those relationships unlock better pricing on both real estate and equipment paper. The Taylor fab build has pulled in semiconductor tooling and cleanroom-adjacent suppliers that did not exist in the local market before 2021. There is also a real talent constraint, because skilled machinists and technicians are tight across the metro, which means working capital draws often fund recruiting, relocation, and training. Underwriting that does not account for that labor reality tends to misread otherwise solid expansion plans.
Browse the programs we structure most often for manufacturing operators. Every option starts with a soft credit pull.
CNC, fabrication & production lines
Finance individual machines or entire production cells with structures that align to ROI timelines, including soft costs.
Bridge purchase orders & payroll
Cover raw material spikes, fund large purchase orders, or bridge customer payment terms without giving up equity.
Turn AR into cash today
Sell your invoices for immediate liquidity: non-recourse and recourse options popular with Texas semiconductor suppliers and freight-tied manufacturers.
Lines secured by your AR
A revolving facility that grows with your receivables, cheaper than factoring when volume is consistent.
Specialized programs across every sector we serve.
