Can I finance against a purchase order?

PO financing exists and is its own product with its own economics. If that's the right tool we'll say so instead of forcing an advance.

How are machines valued?

Make, age, hours, and secondary-market demand. Common iron finances better than specialty equipment.

I already have equipment liens.

Normal. Tell us upfront — a UCC search happens regardless and surprises kill files at the last minute.

One customer is most of my revenue.

It's a hurdle, not a wall. Contract length and payment history are what change the answer.

Industry

Manufacturing

The order that grows the company is also the order that drains it — materials, overtime, and setup all land before the first invoice does. Add a machine with a fourteen-week lead time and you're funding growth out of last quarter's cash. That's a timing problem, not a credit problem, and it's financeable.

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What we fund here

Raw materials for a large purchase order: $50K – $500K
CNC, press, or line equipment: $75K – $2M
Overtime and temp labor on an order ramp: $25K – $200K
Tooling and setup for a new part: $20K – $150K

Ranges are typical, not guaranteed. Your terms depend on your business and the funder.

What usually fits

Equipment Financing

Machine tools hold value, which makes them the cheapest money on the floor.

$10,000 – $2,000,000

Term Loan

A known ramp with a known cost budgets best against a fixed payment.

$25,000 – $1,000,000

Business Line of Credit

If your books are clean, revolving money is the cheapest way to fund materials.

$50,000 – $1,000,000

What underwriters look at

Customer concentration. One buyer at 60% of revenue is the first thing questioned.
Whether the PO is firm or a forecast. A signed order changes the file entirely.
Existing equipment liens — a UCC search happens before funding, so tell us first.
Gross margin. A funder will do the arithmetic on whether the payment fits inside your margin.

Questions

Can I finance against a purchase order?: PO financing exists and is its own product with its own economics. If that's the right tool we'll say so instead of forcing an advance.
How are machines valued?: Make, age, hours, and secondary-market demand. Common iron finances better than specialty equipment.
I already have equipment liens.: Normal. Tell us upfront — a UCC search happens regardless and surprises kill files at the last minute.
One customer is most of my revenue.: It's a hurdle, not a wall. Contract length and payment history are what change the answer.

Let's see what your numbers support.

Three documents to start: the last four months of business bank statements, a driver's license, and a voided check. That's the whole file to get options back.

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FundMainStreet.com is a financing arranger, not a lender or a bank. We connect business owners with third-party funding partners and are compensated by those partners when a transaction closes; we disclose that compensation to you before you sign. Approval, terms, and funding are determined solely by the funding partner. Merchant cash advances are purchases of future receivables, not loans. All figures shown on this site are illustrative and are not an offer or commitment to fund.