Banking for Manufacturers | Banesco USA

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Specialty Banking

Manufacturing Businesses

Banesco USA offers specialized banking and lending solutions uniquely tailored to meet the needs of manufacturers

Inquire now

Expand operations to drive revenue growth

Commercial Term Loan

Upgrade equipment and machinery

Remain competitive by investing in tools and equipment for efficient production that keeps pace with industry advancements.

Owner-occupied Commercial Mortgage

Acquire or build
out facilities

Increase output with a larger facility or additional space while enhancing productivity with a modernized plant.

Manage cash flow to ensure optimal liquidity

Revolving Line of Credit

Maintain consistent cash flow all year

Ensure access to working capital to navigate cash flow cycles and maintain smooth operations.

Receivables Financing

Convert receivables to cash

Turn future payments into immediate cash flow. Access funds you are owed faster to operate with the liquidity you need for the future you plan.

Access capital to implement business strategies

Inventory Financing

Maintain optimal inventory

Avoid a strain on working capital or cash flow while ensuring you have the inventory to meet production demands.

SBA Loan

Pursue new strategies

Access government-backed loans with favorable terms to operate your business and pursue your strategic plans.

Purchase Order Financing

Operate at production capacity

Meet demand by financing purchase orders without straining working capital and preserving cash flow for operations.

Financial services to handle your business needs

Customized solutions to meet the needs of your industry, production cycles, and business goals

Remote Deposit Capture1

Deposit checks from your office

Scanning paper checks for deposit into your account eliminates trips to the bank and reduces the time it takes to access funds.

Online Transfers

Ensure sufficient cash for daily operations

Use Online Banking or the mobile app to transfer funds from deposit and loan accounts to ensure availability of liquidity.

Positive Pay

Mitigate fraudulent payments

Protect your business from fraud with automatic review of ACH and check payments before they are debited from your account.

Foreign Exchange Services

Receive foreign currency payments

Facilitate smooth transactions and reduce risk when handling payments in international currencies.

Mobile Banking

Bank on your time

Transact, pay bills, and deposit checks in the mobile app for greater flexibility to bank anywhere, anytime.

ACH Services

Process payments digitally

Streamline payroll, vendor payments, and recurring expenses with automated, timely, and efficient payments.

Remote Deposit Capture1

Deposit checks from your office

Scanning paper checks for deposit into your account eliminates trips to the bank and reduces the time it takes to access funds.

Online Transfers

Ensure sufficient cash for daily operations

Use Online Banking or the mobile app to transfer funds from deposit and loan accounts to ensure availability of liquidity.

Positive Pay

Mitigate fraudulent payments

Protect your business from fraud with automatic review of ACH and check payments before they are debited from your account.

Foreign Exchange Services

Receive foreign currency payments

Facilitate smooth transactions and reduce risk when handling payments in international currencies.

Mobile Banking

Bank on your time

Transact, pay bills, and deposit checks in the mobile app for greater flexibility to bank anywhere, anytime.

ACH Services

Process payments digitally

Streamline payroll, vendor payments, and recurring expenses with automated, timely, and efficient payments.

Inquire now

Our Visa Purchasing card offers expense control

Streamline the management of reimbursable and incidental expenses by setting spending limits and tracking purchases. Plus, earn cash back.2

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Banesco Purchasing Card

Banking to save time and streamline financial management

Our accounts and Treasury Management services provide a comprehensive solution to manage everyday expenses and enhance cash flow

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Deposit Accounts

Our range of checking, Money Market, savings, and CD accounts is tailored to the unique needs of manufacturers, from managing daily operations to growing reserves and planning for the future.

Digital Banking

Our online banking and mobile app include features to keep track of your funds, wherever you are.

Automate Monthly Bill Payments

Set up recurring payments for fixed expenses and pause payments if needed, centralizing all payee details in one place.

Delegate Routine Banking Transactions

Authorize your business manager or other staff to handle specific banking transactions while keeping account activity private.

Pay Digitally

Automate electronic payments to employees and cover operating expenses with ACH. Originate wire transfers to expedite larger transfers.

What lenders look for in an SBA borrower

Understand how lenders evaluate cash flow, credit, equity injection, experience, and documentation when reviewing SBA 7(a) Loan applications.
Read more

How manufacturers are financing growth

From equipment and automation to acquisitions and working capital, learn how SBA financing can support different types of manufacturing growth strategies.
Read more

Top reasons SBA loans get denied and how to avoid them

Common reasons SBA 7(a) applications are declined or delayed, including eligibility issues, cash flow, documentation, credit, and deal structure.
Read more

Financing equipment to stay competitive in manufacturing

Evaluate the full cost of an equipment investment, compare cash versus financing, and understand when SBA 7(a) or 504 may be relevant.
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How to know if you are ready for an SBA 7(a) Loan

Seven signs of SBA loan readiness, from organized financials and equity injection to credit, experience, and owner occupancy.
Read more

Manufacturers managing cash flow in a cyclical industry

Learn where manufacturing cash gets tied up, how to identify a working capital gap and how SBA financing can help manage timing and growth.
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How manufacturers use SBA 7(a) Loans to expand production

A production expansion involves more than equipment. Understand the full capital requirement and how SBA 7(a) financing can support eligible multi-part projects.
Read more

Bank with experts who specialize in your industry

[corporatebanking] Bank with experts who specialize in your profession. (Manufacturers)

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Contact us to start your relationship

Visit

Find a Banking Center

Email

customerservice@banescousa.com

Call

1-888-228-1597

Explore Purchasing Card benefits

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Disclosures:
Account transaction and service fees apply. Refer to the Schedule of Fees and Service Charges.
Loans are subject to credit approval and the Bank’s credit policies. Additional conditions may apply.
1 Equipment rental fees not included. For more information about Treasury Management products and fees, contact your Treasury Management Specialist or email TM@banescousa.com.
2 Purchasing cards are subject to credit approval. Earn cash back on total annual purchases. Rebate calculated based on total spend for the year and paid out as an ACH deposit into checking account or statement credit. Additional conditions apply.
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