The Production Cycle Cash Flow Problem
Manufacturing cash flow runs backwards from most other businesses. Raw materials and labor must be paid before the finished product ships.
Finished product ships before the invoice is paid. A 30-day production cycle with 45-day payment terms creates a 75-day cash gap.
A revolving working capital line closes that gap. No new loan application required each cycle.
SLC Manufacturing Districts
Salt Lake City's industrial production concentrates in two zones. The west side corridor along 2100 South hosts food processing, packaging, and general light manufacturing.
The north industrial area near the airport contains logistics-adjacent manufacturing and custom fabrication. Both zones have anchored the area for decades.
Manufacturers in both zones carry consistent revenue from standing purchase orders or supply contracts. Raw materials still must be sourced weeks ahead of production.
A revolving line sized to the largest single purchase order solves this cleanly. No permanent debt hits the balance sheet.
Apply for an SLC Manufacturing Working Capital Line
24-hour decisions. No prepayment penalty on revolving draws.
Check Eligibility →Program Details — SLC Manufacturing
| Parameter | Detail |
|---|---|
| Credit Range | $75,000 – $2,000,000 |
| Structure | Revolving line — draw for materials/payroll, repay on customer payment |
| Eligible Uses | Raw materials, production payroll, vendor prepayments, equipment maintenance |
| Revenue Minimum | $35,000/month in manufacturing revenue |
| Time in Business | 18+ months preferred; 12 months minimum |
| FICO Minimum | 580+ (owner) |
| Decision Timeline | 24–72 hours |
What Manufacturing Businesses Use This Line For
- Raw materials purchasing ahead of confirmed purchase orders
- Payroll for production staff during long-cycle jobs
- Vendor deposit requirements on specialty components
- Seasonal production scale-up for Q4 orders
- Equipment maintenance that cannot wait for next invoice payment
- Managing net-30/45/60 terms from key customers
Related Programs
Manufacturers operating in the broader Wasatch Front region can access the Weber County Industrial Capital program for larger contract bridge lines up to $5M. The SLC business credit hub covers all subcategory programs, and the Farmington Capital Hub connects regionally distributed manufacturing operations.
Start Your SLC Manufacturing Line Application
Speak with an advisor who understands production cycle financing — call or apply online.
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