Raw steel and consumable inventory
Take advantage of favorable pricing windows and stock raw plate, structural steel, and welding consumables.
Steel Prices Move. Project Deposits Are Slow. Your Capital Should Move Faster.
A working capital line of credit up to $1.5M for steel fabricators. Front raw material, fund CNC additions, and mobilize on the next project without waiting on receivables.
Working capital built for the metal shop economy.
Steel fabrication operates on tight margins and brutal capital requirements. Raw material prices fluctuate weekly. CNC plasma tables, press brakes, and welding stations cost hundreds of thousands. General contractors and project owners pay on cycles that can stretch beyond ninety days, while your shop has to cover steel, welding consumables, and payroll on a weekly basis. The shops that grow are the ones with capital to mobilize when bids hit and to stock raw material when pricing favors the buyer.
Commercial Capital Connect provides steel fabricators a working capital line of credit up to $1.5 million with interest-only options. Front material on a new project. Add a CNC table. Build out a powder coat line. Bridge GC receivables. Same-day approvals, fast funding, and no daily debits sweeping your account.
CNC equipment and shop expansion
Add plasma tables, press brakes, ironworkers, and welding equipment without depleting cash.
Project mobilization and material front-loading
Cover the upfront material and labor costs required to mobilize on awarded contracts.
GC and project receivable bridging
Bridge net 60 and net 90 receivables from general contractors while your shop continues running.
Powder coat, galvanizing, and finishing lines
Add finishing capability that lets you keep more of the value chain in-house and improve margins.
Basic line of credit review criteria
These are baseline review items, not an approval, offer, or commitment to lend.
- Estimated Equifax score of 575 or higher
- Operating at least 30 days
- About $17,000+ in average monthly revenue
- Active commercial business location
- 0 to 2 active cash advances preferred
Why Commercial Capital Connect
CCC is a business finance marketplace, not a direct lender. One application can help compare potential options through a network of 75+ lending partners.
Project-cycle revenue is expected
Lumpy invoicing tied to project completion is the norm. We underwrite to trailing averages.
Equipment-heavy balance sheets are normal
CNC equipment and material inventory are your business. We do not penalize you for the balance sheet.
Interest-only payment options
Keep payments lean between project payments and pay down principal as invoices clear.
Refinance restrictive financing
Pay off up to two existing MCAs or short-term loans into a flexible LOC.
Steel Fabricators funding FAQ
Can a small custom fab shop qualify?
Yes. Custom and structural shops qualify on the standard criteria: 575 Equifax, 30 days TIB, $200K annual revenue.
Can the line fund raw material purchases?
Yes. Raw steel, plate, structural, and consumables are textbook uses of working capital from the line.
What about project-specific bonding?
Working capital from the line strengthens your balance sheet, which supports project-specific bonding requirements through your surety.
I have $300K in outstanding GC invoices. Does that help approval?
Yes. Strong receivables from creditworthy general contractors are a positive underwriting signal.
Can I use the line for shop relocation or expansion?
Yes. Shop relocation, expansion, and leasehold improvements are valid working capital uses.