For manufacturers, even a short delay in the supply chain can have long-lasting consequences. From increased costs to stalled production schedules, supply chain disruptions can put a significant strain on cash flow and operations.
Whether the disruption is due to labor shortages, transportation delays, or global instability, one thing is certain—businesses need a way to weather the storm and stay on course.
That’s where business lending comes in. At Union Savings Bank, we offer flexible lending solutions such as working capital loans and business lines of credit to help manufacturers in Connecticut maintain stability and continue moving forward—even when the supply chain doesn’t.
Why Supply Chain Disruptions Hurt More Than You Think
A breakdown in the supply chain can do more than delay production. It can:
Create inventory shortages that halt operations
Lead to missed customer deadlines
Cause cash flow constraints
Erode supplier and customer trust
Without adequate cash reserves or access to quick financing, businesses may find themselves unable to cover operational costs or respond to shifting demands—jeopardizing both short-term performance and long-term growth.
Business Lending as a Financial Safety Net
With the right lending tools in place, manufacturers can turn supply chain challenges into manageable setbacks instead of costly crises. Here are three ways business lending can help:
- Working Capital Loans: Working capital loans provide the funds necessary to cover day-to-day business expenses. When supply delays slow incoming revenue, a working capital loan helps ensure that payroll, rent, and supplier payments remain on track—keeping your business running smoothly.
- Business Lines of Credit: A business line of credit offers flexible, on-demand access to funding. When costs spike unexpectedly—whether due to expedited shipping or sourcing from new vendors—a line of credit gives you the agility to respond quickly without disrupting operations.
- Union Savings Bank works with businesses to customize lines of credit that align with your seasonal needs and financial goals.
- Supply Chain Financing Solutions: Financing options can also help bridge the payment gap between when suppliers need to be paid and when you receive payments from customers. This helps maintain positive supplier relationships and ensures continuity even during periods of tight cash flow.
Partner with Union Savings Bank’s Business Lending Team
At Union Savings Bank, we understand the unique pressures facing local manufacturers and business owners. Our Business Lending team brings personalized service, deep local knowledge, and quick decision-making to every client relationship.
Whether you need a short-term solution to get through a supply chain hiccup or are planning for long-term growth, our team is here to provide lending solutions that work for you.
Let’s Build Your Business Together
Ready to strengthen your operations with flexible financing? Connect with the Union Savings Bank Business Lending team today. We’re here to help you navigate uncertainty, seize opportunity, and keep your business moving forward.
Call us or stop by your local Union Savings Bank branch to start the conversation. Learn more.
All loans and lines are subject to credit approval.
