Secured · $120,000
Emergency equipment replacement
A CNC machine fails mid-production run, halting output and costing an estimated $8,000 to $10,000 per day in lost production. A secured loan against existing factory equipment could fund a replacement within 48 hours, getting the line back up in days rather than the 6+ weeks a bank would take. At $8K/day in downtime, even two weeks of bank delays would cost more than the loan itself.
Unsecured · $75,000
Bulk materials purchase
A food manufacturer’s packaging supplier offers a 20% discount on orders over $75,000 paid upfront before the end of the month. An unsecured loan funded in 24 hours could lock in the pricing, saving roughly $15,000 on materials that would have been purchased anyway over the next quarter.
Unsecured · $90,000
Pre-Christmas production ramp
A consumer goods manufacturer needs to double output between September and November to fill retailer orders for the Christmas season. An unsecured loan could cover the additional raw materials, overtime labour, and temporary warehouse space needed to meet demand without stretching existing cash flow.
Secured · $200,000
New contract scaling
A steel fabrication business wins a $1.2M government infrastructure contract but needs to hire 8 additional welders and purchase materials before the first milestone payment arrives in 90 days. A secured loan against existing equipment and vehicles could bridge that gap and keep the project on schedule.
Secured · $180,000
Machinery upgrade
An ageing packaging line is running at 60% efficiency, creating bottlenecks that delay orders by two to three days. A secured loan could fund a modern replacement, lifting throughput to full capacity and eliminating the late-delivery penalties that have been eroding margins for months.
