Manufacturing Business Loans in San Jose
Capital structured around inventory, AR cycles, and major equipment purchases.
- 24-hour funding on working capital files.
- 75+ lenders — banks, SBA, fintech.
- No upfront broker fees — paid by the lender at funding.
How San Jose manufacturing operators get funded
Manufacturing financing in San Jose combines equipment financing (CNC, fabrication, packaging lines), AR lines for B2B receivables, and SBA debt for major expansion or building purchases. California's manufacturing base has grown steadily, particularly in aerospace components, medical devices, and outdoor products.
California's manufacturing economy is anchored by aerospace and defense (Hill AFB ecosystem), medical devices (BD, Edwards), and outdoor recreation products. Santa Clara County hosts a deep base of contract manufacturers and machine shops.
Common capital uses
CNC, fabrication, robotic, packaging, material handling.
Bridge 30-90 day commercial AR.
Raw materials and finished goods buffer.
SBA 504 for owner occupied manufacturing facility.
Qualification requirements
- Operating manufacturer with 1+ year of revenue
- Owner FICO 660+
- Commercial customer base for AR financing
Real San Jose examples
A West Valley shop finances a $290K Haas CNC over 72 months.
A Murray contract manufacturer uses a $2M AR line to bridge net-60 commercial customers.
A South San Jose fabricator buys its 30,000 sf facility with SBA 504 at 10% down.
