Capital priced against your machine hour.
One place for shop owners to price a machine hour honestly, quote a job at a margin that survives the scrap rate, decide between another machine and another shift, and see which financing structure fits what the order book is asking for.
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Start with the move
Pick one and the calculator below changes to the question that move actually asks.
Run the numbers first
Price, material, outside processing and tooling against the days the machine is committed. What matters is not the margin percent but the profit for each day the job occupies the machine, because the machine is the thing you are short of.
$11,500
Price a part times the parts you ship, plus any change order you have in writing.
$3,120
Cost both for the parts you have to RUN, not the parts you ship. Scrap costs money.
$650
Only what this job needs and no other job reuses. Family tooling is capital.
52
Last year's total cost less material, over last year's sales. Wages included.
3
Setup, programming, first article and run. The hours nobody quotes and all spend.
Job net profit
At these figures, job net profit comes out at $1,750.
$1,750
Base, example figuresNothing you type here leaves your browser
Every figure is worked out on this page. No input is sent anywhere, stored, or attached to you.
Every figure here is yours to check
It runs on the numbers you entered and nothing else, so you can rebuild any line of it by hand.
Talk to a funding specialist
A real conversation about what these numbers mean before you apply to anything.
It does not derive your scrap rate for you: if you enter material and outside processing for the parts you ship rather than the parts you run, the answer flatters the job by exactly your scrap rate. A 4% scrap rate on 500 good parts means buying stock for 521 and paying to process 521. Shop cost is absorbed here as a share of price, so a material-heavy job carries more of it than its machine time alone would justify. If you absorb overhead per machine hour instead, cost the hours with the machine hour rate tool and read the gross profit line here rather than the net. It also excludes rework, expediting, freight surcharges and the cost of carrying the job until you are paid, which the float tool sizes separately.
What we actually structure for this industry. Your amount depends on the file.
Equipment, line of credit, term, SBA, asset-based, receivables, revenue-based, and a business HELOC.
No applicant fees and no hard credit pull to start. Funding partners set final terms.
The numbers
Unless noted: National Association of Manufacturers, citing US Census Bureau ·
The cash year
Demand follows the order book. The cash follows a restart, a shutdown fortnight and a year-end push.
Seasonal pattern
January buys material for work that has not shipped. That is a revolving need, and a fixed payment signed on December cash lands in the wrong month.
Material and labour are funded before you can invoice, then funded again while the invoice ages. Size both halves of that gap before you take the order.
A machine signed on the year-end push is repaid through the January restart and the summer shutdown. Model the payment against those months.
This is the cash calendar, not a demand index. Your own order book decides how deep the restart and the shutdown run.
Funding products
Monthly
Once a month: what the national order book is doing, which structures are being written for shops, and the compliance and depreciation changes worth knowing before you sign for a machine. No pitch, unsubscribe in one click.
Reading
Everything we have published for machine shops, newest first. 6 pieces in total. Narrow it to the shelf you need, or read straight down the list.
Disclosure
Figures on this page are illustrative estimates only and are not an offer of financing. All amounts, rates, factor rates, terms, payment amounts, timelines, and qualification criteria vary by lender, depend on funder underwriting and your business's bank statement history, and are subject to change without notice. Nothing here is guaranteed until a funder issues terms and you sign them. Factor rates do not represent APR. Commera is a broker, not a lender, and does not set rates.
Local market guides
Compare local demand, operating costs, cash timing, and funding considerations in the markets where we have dedicated guidance.
Common questions
The questions owners ask before they apply, answered for machine shops.
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