Best Invoice Factoring Companies for Machinery & Equipment Manufacturing

 Machinery and equipment manufacturers face unique cash flow challenges that demand specialized financial solutions. With production cycles that can span weeks or months and customers expecting net 30-90 day payment terms, manufacturers often find themselves waiting for revenue while facing immediate expenses for materials, labor, and overhead. The global industrial machinery market is projected to reach $794 billion by 2027, intensifying competition and putting pressure on manufacturers to offer flexible payment terms while maintaining healthy cash flow. For manufacturers looking to streamline their financial operations while offering competitive payment terms, Resolve's B2B Net Terms platform provides a comprehensive solution that addresses these specific industry challenges. 

Key Takeaways

• Machinery and equipment manufacturers require factoring solutions with high advance rates (typically 80–95%) with select providers offering up to 100% on approved invoices) to cover substantial production costs and extended payment cycles
• Non-recourse financing protects manufacturers from customer default risk while providing immediate working capital for new orders
• AI-powered platforms deliver faster funding (same-day to 24 hours) compared to traditional factoring's multi-day processes
• Equipment financing integration is a key differentiator for machinery manufacturers needing comprehensive financial support
• Seamless ERP integration with platforms like QuickBooks, Oracle NetSuite, and Sage Intacct enables automated reconciliation and reduces administrative burden
• Flexible contract terms (month-to-month vs. long-term commitments) allow manufacturers to scale financing with business needs

1. ResolvePay - Modern Alternative to Traditional Factoring

Resolve Pay offers machinery and equipment manufacturers a comprehensive alternative to traditional factoring with 100% non-recourse financing, instant credit approvals, and complete accounts receivable automation. Unlike traditional factoring companies that simply advance invoice value, Resolve provides an end-to-end credit-to-cash platform that includes AI-powered credit assessment, automated payment processing, collections management, and seamless ERP integration—all while eliminating merchant credit risk entirely.

Best For

Machinery manufacturers seek a comprehensive credit-to-cash platform with non-recourse protection, instant approvals, and complete AR automation to support production cycles and extended payment terms.

Key Features

• 100% non-recourse financing eliminates all merchant credit risk from customer defaults
• AI-powered instant credit decisions with rapid funding—often within 24 hours—with advance rates that can reach up to 100% on approved invoices (and commonly up to ~90% depending on the customer and program)
• Comprehensive AR automation including payment reminders, collections management, and automated reconciliation
• Enterprise ERP integration supporting QuickBooks, Oracle NetSuite, Sage Intacct, Magento, Shopify, and BigCommerce
• Branded payment portal maintains manufacturer-customer relationships throughout the payment process
• Automated reconciliation for any invoice structure, reducing administrative burden
• Flexible financing that scales with business growth and seasonal demand

Manufacturing Relevance

Resolve's platform directly addresses the machinery manufacturing industry's most pressing financial challenges. The non-recourse nature means manufacturers can confidently offer competitive net 30, 60, or 90 day payment terms to customers without worrying about default risk—a critical advantage when building long-term relationships with distributors, dealers, and end customers who expect flexible payment options.

The platform's ability to advance up to 100% of invoice value within 24 hours solves the fundamental cash flow gap that machinery manufacturers face. With substantial upfront costs for raw materials, specialized labor, and overhead expenses, manufacturers need immediate access to capital to fulfill new orders. Resolve's instant credit approval system, powered by AI that evaluates thousands of data points, enables manufacturers to respond to customer orders in real-time rather than waiting days for traditional credit decisions.

For machinery manufacturers managing complex invoice structures—including progress billing, milestone payments, or equipment customization charges—Resolve's automated reconciliation capabilities handle any invoice format seamlessly. The platform integrates directly with leading ERP systems, automatically syncing transaction data and eliminating the manual data entry that consumes valuable accounting team resources.

The branded payment experience ensures that even though Resolve manages the credit and collections process, manufacturers maintain their customer relationships. Customers interact with a payment portal bearing the manufacturer's branding, preserving the direct business relationship that's essential in the machinery industry where repeat business and referrals drive growth.

Customer Validation

Resolve has helped machinery manufacturers like Lift Foils scale pre-season orders without taking on additional risk, demonstrating the platform's effectiveness in real-world manufacturing scenarios where seasonal demand fluctuations require flexible financing solutions.

Resolve's AI-powered platform automates the entire net terms workflow from invoice generation through final payment, reducing Days Sales Outstanding (DSO) and accelerating cash conversion while maintaining professional customer relationships. For machinery manufacturers competing in an increasingly global marketplace, this combination of immediate capital access, zero credit risk, and operational automation provides a strategic advantage that traditional factoring cannot match.

2. FundThrough

FundThrough provides machinery manufacturers with rapid funding and transparent pricing. The platform uses technology to process invoices and deliver capital quickly, with a focus on serving small to medium-sized businesses.

Machinery manufacturers need fast funding cycles and transparent fee structures.

Key Features

• High advance rates on approved invoices
• Same-day funding capabilities
• Transparent flat fee structure with no hidden charges
• AI-powered platform with QuickBooks integration
• No long-term contracts, enabling spot factoring as needed

FundThrough's technology-driven approach provides machinery manufacturers with quick access to working capital. The platform's speed enables manufacturers to respond to new orders without extended waiting periods. The transparent pricing model eliminates hidden fees, providing predictable costs that manufacturers can factor into their financial planning. For machinery manufacturers whose invoices often involve substantial amounts, this predictability supports better margin management.

3. Porter Capital

Porter Capital offers machinery manufacturers competitive rates alongside personalized account management. With over 30 years of experience, Porter provides relationship-driven service for established manufacturers.

Established machinery manufacturers seeking personalized account management services.

Key Features

• Competitive factoring rates
• High advance rates on approved invoices
• Dedicated account managers
• Funding within 24 hours
• Specializes in manufacturing factoring
• Flexible funding limits

Porter Capital's manufacturing specialization means they understand machinery production cycles, equipment financing needs, and customer payment patterns. Their personalized approach allows for customized solutions that adapt to specific manufacturer requirements. For machinery manufacturers processing substantial monthly invoice volumes, competitive rates can represent significant annual savings that directly improve bottom-line profitability.

4. Triumph Business Capital

Triumph Business Capital provides machinery manufacturers with high advance rates and integrated equipment financing capabilities. Originally focused on transportation, Triumph has expanded into manufacturing and other industries.

Machinery manufacturers need both invoice factoring and equipment financing options.

Key Features

• High advance rates with minimal reserves
• Same-day funding for most transactions
• Equipment financing available alongside factoring
• No contracts required, enabling spot factoring
• Handles substantial annual transaction volumes

Triumph's integrated approach serves machinery manufacturers who need both working capital for production and financing for equipment purchases. Rather than managing separate relationships with factoring and equipment financing providers, manufacturers can streamline their financial operations. High advance rates ensure manufacturers have substantial access to their invoice value, minimizing the cash flow gap that can delay new orders or expansion opportunities.

5. Riviera Finance

Riviera Finance offers machinery manufacturers non-recourse factoring protection alongside in-person service at multiple physical locations across the U.S. and Canada. With over 55 years in business, Riviera combines industry experience with risk mitigation.

Machinery manufacturers seeking non-recourse protection and in-person service options.

Key Features

• Non-recourse factoring to protect against customer defaults
• High advance rates
• Multiple physical offices for in-person service
• 24-hour funding capability
• Extensive industry experience

Riviera's non-recourse factoring helps machinery manufacturers who work with customers across diverse industries and geographies. Rather than bearing the risk of customer non-payment, manufacturers can transfer this risk while still offering competitive payment terms. The physical office presence provides service and relationship building for manufacturers who prefer face-to-face interactions or need to discuss complex financing needs. With over 2,000 businesses served and a 55+ year track record, Riviera provides stability for established machinery manufacturers.

6. eCapital

eCapital serves large-scale machinery manufacturers with substantial funding limits and AI-powered processing capabilities. Their technology-driven platform enables round-the-clock funding with rapid approvals.

Large machinery manufacturers with high invoice volumes or substantial individual transactions.

Key Features

• High funding limits in the industry
• High advance rates
• AI-powered platform for rapid processing
• 24/7 funding capabilities
• Both recourse and non-recourse options

eCapital's substantial funding capacity makes them suitable for large machinery manufacturers with major contracts or significant monthly invoice volumes. Whether manufacturing industrial equipment, agricultural machinery, or specialized manufacturing systems, eCapital can handle substantial financing needs.

According to research from the International Trade Administration, the U.S. industrial machinery sector represents a significant portion of manufacturing output, with companies increasingly requiring flexible financing to compete globally.

7. Universal Funding

Universal Funding offers machinery manufacturers competitive rates alongside purchase order financing capabilities. With an A+ BBB rating and over 25 years of experience, Universal provides cost-effective financing solutions.

Cost-conscious machinery manufacturers need both invoice factoring and purchase order financing.

Key Features

• Competitive factoring rates
• High advance rates
• Purchase order financing available
• A+ BBB rating
• Rapid funding after approval
• Specializes in manufacturing and distribution

Universal's purchase order financing capability serves machinery manufacturers who need capital to fulfill large orders before receiving customer payments. Rather than turning away business due to insufficient working capital, manufacturers can use PO financing to secure materials and begin production immediately. Competitive rates provide cost savings compared to higher-rate alternatives, directly improving profit margins. For manufacturers processing substantial monthly invoice volumes, these rate advantages can represent significant annual savings.

8. RTS Financial

RTS Financial provides machinery manufacturers with high advance rates and a transparent fee structure with no hidden charges. Part of the Shamrock Trading Corporation family of brands, RTS has expanded from transportation to serve manufacturing and other industries.

Machinery manufacturers seek high advance rates with transparent fee structures.

Key Features

• High advance rates among factoring companies
• No ACH, volume, or invoice-upload fees
• Same-day funding via mobile app
• Competitive rates
• Serves manufacturing and agriculture industries
• Mobile app for round-the-clock invoice submission

RTS's high advance rates ensure manufacturers receive substantial payment upfront, minimizing the cash flow gap between production costs and customer payments. The absence of hidden fees—no ACH fees, volume fees, or invoice upload fees—provides predictable costs that can be accurately factored into pricing strategies. Their mobile app enables round-the-clock invoice submission, allowing manufacturers to access funding whenever needed rather than being constrained by business hours or office locations. This flexibility serves manufacturers with remote operations or global supply chains.

Choosing the Right Factoring Solution for Your Machinery Manufacturing Business

Selecting the right factoring solution for machinery manufacturing requires careful evaluation of your specific operational needs, transaction volumes, and growth trajectory. The industry's unique challenges—including substantial production costs, extended payment cycles, and customer expectations for flexible terms—demand financing solutions purpose-built for these requirements.

For machinery manufacturers seeking to eliminate credit risk while maintaining healthy cash flow, Resolve Pay's non-recourse financing model offers a comprehensive solution. The platform's ability to advance up to 100% of invoice value within 24 hours while assuming complete credit risk enables manufacturers to offer competitive net terms without jeopardizing their financial position. This becomes particularly valuable when working with distributors, dealers, and end customers who expect payment flexibility.

The instant credit approval capabilities powered by AI underwriting accelerate the order-to-cash cycle, enabling machinery manufacturers to respond quickly to customer orders without the multi-day delays typical of traditional credit evaluation processes. Combined with seamless ERP integration supporting QuickBooks, Oracle NetSuite, and Sage Intacct, Resolve Pay provides manufacturers with a comprehensive platform that addresses both immediate cash flow needs and long-term customer relationship management.

As the machinery manufacturing sector continues to evolve in an increasingly competitive global marketplace, having the right financing infrastructure becomes critical for sustainable growth. Resolve Pay's comprehensive credit-to-cash platform serves as strategic infrastructure that supports manufacturers' ability to offer competitive terms, fulfill orders without cash flow constraints, and build stronger customer relationships—all while eliminating the credit risk that can jeopardize business stability.

Frequently Asked Questions

What is the main difference between traditional invoice factoring and Resolve's alternative for machinery manufacturers?

Traditional invoice factoring typically advances a portion of invoice value with recourse liability, meaning manufacturers remain responsible if customers don't pay. Resolve's alternative provides 100% non-recourse financing, eliminating all merchant credit risk while advancing complete invoice value within 24 hours. Resolve also includes comprehensive AR automation, instant credit decisions, and maintains manufacturer brand relationships through a branded payment experience—features not typically included in traditional factoring arrangements.

How does Resolve help machinery businesses offer net terms without taking on credit risk?

Resolve takes on the credit assessment, credit decision, and complete risk of late payments or defaults through its non-recourse financing model. Manufacturers can offer net 30, 60, or 90 day terms to customers while receiving up to 100% of invoice value upfront. Resolve's AI-powered underwriting provides instant credit approvals, enabling manufacturers to confidently extend credit without bearing default risk. This allows machinery manufacturers to compete effectively by offering flexible payment terms that customers expect.

Can Resolve integrate with existing manufacturing accounting and ERP software?

Yes, Resolve offers seamless integration with leading ERP and accounting platforms including QuickBooks, Oracle NetSuite, Sage Intacct, Magento, Shopify, and BigCommerce. The platform automatically syncs transaction data in real-time, eliminating manual data entry and ensuring accurate financial reporting across all systems. This integration is particularly valuable for machinery manufacturers with complex invoice structures or high transaction volumes.

How quickly can machinery manufacturers receive payments with Resolve?

Resolve provides funding within 24 hours of invoice approval, with some purchases qualifying for instant approvals. This rapid funding cycle addresses the extended payment terms common in machinery manufacturing while ensuring manufacturers have immediate access to working capital for fulfilling new orders, purchasing materials, and covering production costs without cash flow constraints.

What types of machinery manufacturers benefit most from Resolve's platform?

Resolve serves machinery manufacturers across all segments—from small custom equipment fabricators to large-scale industrial machinery producers. The platform is particularly valuable for manufacturers who need to offer competitive payment terms to grow their customer base, those facing seasonal demand fluctuations requiring flexible financing, and manufacturers with customers in diverse industries where credit risk assessment is challenging. According to Bureau of Labor Statistics data, the machinery manufacturing sector employs over 1 million workers in the U.S., with businesses ranging from small specialty shops to large multinational corporations—all of whom can benefit from modernized credit and payment solutions.

This post is to be used for informational purposes only and does not constitute formal legal, business, or tax advice. Each person should consult his or her own attorney, business advisor, or tax advisor with respect to matters referenced in this post. Resolve assumes no liability for actions taken in reliance upon the information contained herein.