01
Machine payback
Model throughput, downtime, labour and maintenance before using headline capacity in the repayment case.
Manufacturing
Funding for UK manufacturers.
Business funding for manufacturers, fabricators and production firms investing in machinery, tooling, materials, people and new contracts.
£5k – £5M
Funding range
Product dependent
Repayment terms
File dependent
Review timing
Before choosing funding
Fund the full production cycle
A useful facility should follow the commercial cycle it is paying for. These are the details worth testing before comparing offers.
02
Raw material timing
Deposits and minimum order quantities can lock cash long before finished goods are invoiced.
03
Customer acceptance
Tooling, testing and sign-off can delay final payment even when production is complete.
What to prepare
Having these ready makes the first review more useful and reduces avoidable follow-up.
- Order book and customer contracts
- Machine or tooling quotation
- Production margin by job
- Raw material and debtor schedule
Questions worth asking
Use these to compare the repayment structure with the way your business earns cash.
- 01Is the new capacity backed by orders?
- 02What installation and commissioning costs sit outside the quote?
- 03Would asset finance leave cash available for materials?
Manufacturing growth consumes cash before it releases it. Raw materials, labour, tooling and commissioning may all be paid before a customer accepts the finished order and the invoice falls due.
The right structure depends on what is being funded. Asset finance can preserve working capital on machinery, invoice finance can support a growing debtor book, and a business loan can cover broader project costs with a defined payback.
Typical use cases
- Machinery and production equipment
- Tooling and commissioning
- Raw material purchases
- Contract mobilisation
- Factory improvements
- Energy-efficiency projects
Useful reading
Go deeper before you decide.
Practical guide6 min read
Asset finance UK: hire purchase, leasing and refinance explained
Hire purchase, finance lease, operating lease and asset refinance, how each works, tax treatment, and which suits your business.
Practical guide4 min read
Working capital loans in the UK: the operator's guide
Working capital finance covers the gap between money going out and money coming in. Here's how UK operators use it well.
Order book
Demand evidence
Margin
Job economics
Utilisation
Capacity signal
Full cycle
Cash-flow view
Frequently asked
Should machinery be funded with a business loan or asset finance?
Asset finance may align repayment with the useful life of identifiable equipment. A business loan may fit when the project also includes installation, staff or working capital.
Can raw materials for a confirmed order be funded?
Potentially. Purchase orders, customer terms, margin and the production timetable help explain the working-capital requirement.
Can used machinery be financed?
It may be possible, subject to the asset's age, condition, valuation and expected useful life.
What information helps with a manufacturing funding review?
An order book, management accounts, bank statements, equipment quotations and a clear cost-to-complete schedule are useful starting points.
When the bank says no, we take a closer look.
Start with a short initial enquiry. If a credit search is needed later, it will be explained first.
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