This page also works through two costs a machine loan does not cover, a customer on net-60 terms and parts held for a blanket order, as a call with Meadowside Credit would.
Production machines fit equipment financing or a lease; finished parts held for scheduled releases fit inventory financing; an invoice on long terms can be carried on a credit line or settled early at a discount. The power and air lines a machine connects to are property work outside this site.
At a glance
- Manufacturing, Bristol County, MA (CBP 2023, NAICS 31-33)
585 establishments
- Manufacturing employers with fewer than 5 employees (CBP 2023)
30.9%
- Manufacturing at ZIP 02720 addresses (ZBP 2023)
37 establishments
- Manufacturing without paid employees, Bristol County, MA (NES 2024)
500
Manufacturing Equipment Financing in Fall River, MA for a Used Press Brake and Its Tooling
Invented figures: a sheet-metal shop buys a used 110-ton press brake at $64,800 and a set of punches and dies at $7,350, $72,150 together. Six years of equipment financing at 9.7% sets the brake-and-tooling payment at $1,325.75; after 72 of them the shop has paid $95,454.00, and $23,304.00 of that went to interest.
Over 48 months, the same made-up purchase costs $1,819.53 a month and $15,187.44 in interest. The longer term lowers the payment; the shorter one saves interest and clears the debt while the machine is still young. A brake that bends parts on every shift can carry the higher payment sooner than one bought for a single product line.
For a used machine, a partner may ask for the seller's quote, the year, the serial number and a recent inspection or video of the machine running. Tooling bought with the brake can sit in the same request when it is on the same quote.
Rigging the brake into place is part of the delivery. The 3-phase power drop it plugs into is electrical work on the building and stays outside this site.
Net-60 Customer Terms at a Bristol County, MA Manufacturer: an Early-Pay Discount or a Credit Line Draw
In this invented case, a manufacturer bills a customer $48,600 on net-60 terms. The customer's early-pay program offers to settle on day 10 for 1.5% off, so the maker would give up $729.00 to be paid 50 days sooner.
The alternative is to wait the full 60 days and draw the invented $48,600 on a line of credit for the 50 days in between. At 12.6% simple interest on a 365-day year, that draw costs $838.85, which is $109.85 more than the discount on these made-up figures.
On the same invented invoice, the answer flips with time: at 12.6%, a draw shorter than about 43 days costs less than the $729.00 discount. A maker with several customers on long terms can run this comparison invoice by invoice, since a discount is a fixed cost and a draw is priced by the day.
A Print Shop's Wide-Format Printer and Laminator in Fall River, MA: Lease Total Versus Loan Total
On made-up numbers, a commercial printer adds a wide-format printer at $28,900 and a roll laminator at $6,450, $35,350 for both. On a 48-month loan at 10.7%, the payment is $908.50; 48 payments total $43,608.00, so interest is $8,258.00.
Leasing the printer and laminator instead, on invented terms, means 48 monthly lease charges of $870 and then $3,535 to buy the machines out. The lease saves $38.50 a month, yet once the buyout is paid it totals $45,295, $1,687.00 more than the loan.
Print equipment ages with each new ink set and print head, so a shop that expects to trade up after four years may prefer the lease and return the machines rather than buy them out. Ink, media and service contracts are running costs paid from sales; a partner may ask that the quote list them apart from the machines.
Finished Parts Held for a Blanket Order: Inventory Financing at a Bristol County, MA Plant
Invented case: a plant runs 3,600 parts at $11.40 each for a customer's blanket order, $41,040 of finished goods. The customer calls off 1,200 parts every 30 days and pays 30 days after each shipment, so the plant holds parts it has already paid to make.
| Day | What happens | Parts on hand | Financed balance |
|---|---|---|---|
| Day 0 | Run finished | 3,600 | $41,040 |
| Day 30 | First 1,200 ship | 2,400 | $41,040 |
| Day 60 | First payment in; next 1,200 ship | 1,200 | $27,360 |
| Day 90 | Second payment in; last 1,200 ship | 0 | $13,680 |
| Day 120 | Third payment in | 0 | $0 |
With inventory financing at 13% that is paid down as each payment arrives, simple interest across the 120 days comes to $1,315.53 on these figures. One long production run in place of three short ones can save setup time, and the financing cost is the number to weigh against that saving.
Manufacturers in Bristol County, MA by Subsector and Share of Small Employers
County Business Patterns counted 585 manufacturing establishments with paid employees in Bristol County, MA in 2023, employing 22,370 people in the March pay period. Three subsectors, among others:
| Subsector (NAICS) | Employer establishments | Share with fewer than 5 employees |
|---|---|---|
| Fabricated metal product manufacturing (332) | 123 | 30.1% |
| Food manufacturing (311) | 74 | 41.9% |
| Printing and related support activities (323) | 39 | 43.6% |
| All manufacturing (31-33) | 585 | 30.9% |
The ZIP program counted 37 manufacturing employers at ZIP 02720 addresses in 2023, 16.2% of them with fewer than five employees. Nonemployer Statistics, a separate program, counted 500 manufacturing businesses without paid employees in Bristol County, MA for 2024. The industry overview groups manufacturers with contractors, and the Fall River, MA page has more ZIP 02720 counts.
A blog post on sewing shops and machine shops prices an inspection bench, the freight and rigging around a used shear, and a fabric lot carried on a line.
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