Massive Meat Capital finances the protein supply chain and nothing else. Every file is read by someone who knows what a blast chiller costs, why your receivables run 45 days, and what happens to inventory when a compressor fails on a Friday.
No hard credit pull. No obligation. Takes about two minutes.
Six stages, one temperature band. Every product we write exists to keep something on this line running.
Figures are illustrative and are not an offer of credit.
Sec. 01 — Get a number
Sec. 02 — Why MMC
A broker who never declines anything is not underwriting, they are selling. If your file will not clear, you hear it on the first call rather than after three weeks of stall.
Advances pay a broker more than term loans do. We quote the product that fits the use of funds, and we show you what the expensive option would have cost so the comparison is yours to make.
In most industries a slow approval is an inconvenience. When a compressor fails, the clock is running against inventory. We staff and stage files accordingly.
The person who takes your first call reads your statements, argues your file, and calls you at funding. No handoff to a closing team that has never seen your business.
Sec. 03 — Funding solutions
30 – 90 days
The cheapest money available to a small processor, and the slowest to close.
2 – 10 business days
A fixed amount, a fixed payment, and a date the debt is actually gone.
2 – 7 business days to open; same or next day per draw thereafter
A pool you draw from and pay back, over and over, sized to your cash cycle.
Same day to 3 business days
Fast money for a short problem. Expensive, and we will say so out loud.
1 – 5 business days
The machine secures the loan, so the rate follows the steel rather than the score.
2 – 10 business days for equipment; 3 – 6 weeks where construction is involved
Refrigeration, walk-ins, blast chillers and racking, underwritten by people who know the difference.
3 – 10 business days to set up; 24 – 48 hours per invoice thereafter
Sell the receivable today instead of waiting 45 days for the distributor to pay.
45 – 120 days
Buy the plant, the warehouse or the shop instead of renting it for another decade.
5 – 20 business days
Buy the animals, carry them through feeding, and repay when they sell.
30 – 90 days to close; draws thereafter within days
Construction financing for a facility that has to pass federal inspection, not just code.
14 – 45 days
Personal home equity put to work in the business. Cheap money, real risk.
Sec. 04 — Industries we fund
Sec. 05 — How it works
01
A two-minute form or a phone call. We need the shape of the problem, roughly what it costs, and when you need it. No hard credit pull at this stage and no obligation of any kind.
02
Six months of bank statements and, depending on the product, a return and a profit and loss. Your advisor selects the partners whose credit box actually matches your file rather than blasting it across the market and generating a wave of hard pulls.
03
Every offer converted to a true APR so the comparison is real, including what the expensive option would have cost. If the right answer is to wait four weeks for cheaper money, we say so. Then you decide, and we close it.
Sec. 06 — What customers say
They talked me out of the first thing I asked for. I wanted an advance because it was fast, and the advisor spent twenty minutes explaining what it would actually cost me and then put me on an equipment note at a third of the price. I did not know brokers did that.
The underwriter asked me about my drain slope. Not my credit score, my drain slope. That was the moment I understood these people had actually been inside a plant before.
Our compressor went down on a Friday and we had thirty thousand pounds in the balance. Funded Saturday morning. It was expensive money and they told me so on the phone, twice, and then told me when to refinance it. We did, in month four.
I had been turned down by two banks who both told me the business was fine but they did not lend to "food manufacturing." MMC did not need that explained. The facility was open in seven business days and we took on an account we had been declining for a year.
Sec. 07 — Success stories
$202,000
Western Iowa — 9 business days to funding
A third-generation shop replaced a 1990s cooler and opened a custom-cutting line it had been turning away for years.
Placeholder case study pending verification.
$400,000
Southern Wisconsin — 52 days to funding
A profitable processor was taking $60,000 a month in daily debits. An SBA refinance cut debt service by 92 percent.
Placeholder case study pending verification.
Sec. 08 — Questions
Sec. 09 — Knowledge center
Underwriting — 8 min
Six months of statements decide most approvals. Here is what an underwriter reads, in the order they read it.
Cash flow — 8 min
Both products close the same gap. One of them costs four times as much, and it is usually the one being offered.
Regulatory and buildout — 9 min
The gap between a good commercial kitchen and an inspection-ready room is about a third of the project. Here is how to fund it without stopping halfway.
Sec. 10 — Get started
Mon–Fri 8:00am–7:00pm CT, Sat 9:00am–1:00pm CT