Accounts Receivable Financing for Manufacturing Companies

Keep Production Moving While Customer Payments Catch Up

Raw materials, labor, and supplier bills often come due long before customer payments land. Alterna helps manufacturers turn unpaid invoices into working capital, so the next run does not have to wait.

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Fast, Credible Funding For Invoice-Based Manufacturers

Paychex Backing

Move forward with confidence and stable funding backed by Paychex.

48-Hour Approval

Get approved in as little as 48 hours, so delayed payments don’t slow the next order.

Same-Day Funding

Access same-day funding to support supplier, freight, and fulfillment costs.

B2B Invoice-Based

Designed for businesses that sell to other businesses and invoice for payment.

Production Doesn’t Pause For Payment Terms

Manufacturers often carry the cost of materials, labor, equipment, suppliers, and production long before customer payment arrives. When receivables stretch out, cash can get caught between the work you’ve already completed and the next run you need to start.

Raw Material Costs

Your next production run needs materials before cash from the last order comes back in.

Labor and Payroll

Your team still needs to be paid while customer payments work through their terms.

Supplier Obligations

Supplier terms don’t always line up with customer terms. A bill for materials can land before the invoice for the finished order is paid.

Production Delays

A cash gap can ripple across line schedules, output, lead times, and delivery dates.

Large Orders with Delayed Payments

A big order can be a win and a cash flow strain at the same time.

Cash Tied Up in Completed or Shipped Goods

The work may be finished, but the cash may still be sitting in unpaid invoices.

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Funding And Receivable Solutions Built Around The Manufacturing Cycle

Unpaid invoices don’t have to sit in the background while the next production run needs cash. Alterna helps manufacturers turn eligible receivables into working capital, with support that gives you better visibility into customer risk, payment activity, and cash flow across the production cycle.

Invoice Funding

Once finished goods are shipped and the invoice is out, Alterna can help turn that receivable into cash. Use it to cover raw materials, labor, supplier payments, and the next production run.

Credit Research

Before you extend terms on a large purchase order, get a clearer look at customer risk. Alterna helps manufacturers make more confident decisions before one slow-paying account creates pressure.

Cash Application

See which shipped jobs have turned into cash and which invoices are still open. Alterna helps manufacturers easily follow payment activity across customer accounts.

Collection Support

When invoices need a nudge, Alterna helps with follow-up so your team isn’t carrying every payment conversation alone. That gives your people more room to focus on production, customers, and the next order.

Why Manufacturing Funding Feels Different With Alterna

Speed

Skip the bank back-and-forth and access funding faster for the manufacturing costs already in motion.

Flexibility

Fund invoices based on what your manufacturing cycle needs next: materials, payroll, suppliers, or production capacity.

Partnership

Work with people who understand receivables, customer terms, and the pressure to keep production moving.

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How Manufacturers Keep Momentum With Alterna

Learn how Alterna helps businesses turn unpaid invoices into working capital that drives real business results.

  • CASE STUDY

    $3M Credit Facility Powers Metal Manufacturer Past SBA Loan Limits

    A rapidly growing Virginia-based metal manufacturer faced a working capital shortage when its expansion outpaced its traditional SBA loan.

    Read Case Study Read More Case Studies

Put Working Capital Back Into Production

If unpaid invoices are slowing down your next production run, supplier payment, or customer order, Alterna can help you find a faster way forward.

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Frequently Asked Questions About Accounts Receivable Financing For Wholesale Businesses

Accounts receivable financing for manufacturing companies lets you access cash from eligible unpaid invoices. Instead of waiting 30, 60, or 90 days after goods ship, you can put that money back toward materials, labor, supplier payments, and the next production run.

Once finished goods are shipped, the invoice may still sit unpaid for weeks. Funding that invoice can help cover the production costs already behind you and the next run ahead.

Yes. When a big order comes in, the costs often show up before the cash does. Funding eligible invoices can help you take on the work without waiting for every customer payment to land first.

Manufacturing businesses may be approved in as little as 48 hours, depending on the company, customer, and invoice details. Once approved, same-day funding may be available when a supplier bill, payroll need, material order, or production timeline cannot wait

Bank and SBA loans can take longer and usually come with more documentation. Accounts receivable financing for manufacturing looks more at eligible invoices and the customers expected to pay them.

Long payment terms can leave cash tied up after finished goods have shipped and the invoice is out. For manufacturers, that can affect raw materials, labor, supplier payments, and the next production run. Funding unpaid manufacturing invoices can help close that timing gap.

Yes. Alterna can help with more than funding. Manufacturers can get support with customer risk checks, payment posting, and follow-up on invoices that need attention.