Engineering Business Loans and Finance for UK Firms
Engineering projects rarely wait for cash flow. Whether you’re upgrading a CNC machine, bridging 60–120 day payment terms, or scaling up for a new contract, access to funding can be the difference between pausing and progressing. Fast Business Loans connects UK engineering companies to trusted lenders and brokers who understand your sector—so you can compare options quickly and move forward with confidence.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
- Free to use, no obligation to proceed
- No impact on your credit score to submit an enquiry
- Typically hear back in hours during business days
Get Quote Now Free Eligibility Check Get Started
Important: We are not a lender and do not provide financial advice. We introduce UK businesses to brokers and lenders. Rates and terms depend on your circumstances. Late repayment can cause serious money problems. For free help, visit MoneyHelper.
How Our Engineering Finance Matching Works
- Complete a quick enquiry (less than 2 minutes)
Tell us your company details, funding amount, and purpose (e.g., machinery, cash flow, contracts). - We match you with suitable UK brokers/lenders
We introduce you to partners experienced in engineering and manufacturing. - Discuss options fast
Expect a call or email to explore solutions—often within hours. - Compare, decide, and proceed (or not)
It’s your choice. No pressure and no obligation to continue.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Who We Help in Engineering
We support UK Limited companies and LLPs across engineering disciplines:
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
- Precision and CNC machining
- Mechanical, electrical, and civil engineering
- Fabrication and metalworking
- M&E contractors and building services engineering
- Aerospace and automotive engineering
- Product design, prototyping, and R&D
- Electronic/embedded systems and test houses
- Tooling, mould-making, and component suppliers
- Engineering consultancies and specialist subcontractors
Eligibility basics
- UK-registered Limited company or LLP
- Trading or pre-trading (selected partners may consider new companies with experienced directors)
- Funding requirements from £10,000 to £5,000,000+ (product and circumstances dependent)
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Finance Options for Engineering Companies
Asset Finance (Hire Purchase, Lease, Refinance)
Use cases: CNC machines, lathes, milling centres, 3D printers, robots, forklifts, compressors, extraction systems, tooling.
Benefits: Spread equipment cost, preserve cash flow, potential tax efficiency (speak to your accountant).
Typical terms: 1–7 years depending on asset and lender. Often secured against the asset; a personal guarantee may be requested.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Equipment Finance and Technology Upgrades
Use cases: CAD/CAM workstations, metrology equipment, testing rigs, software licences, servers.
Benefits: Keep tech current without large upfront costs. Terms typically 1–5 years.
Invoice Finance (Factoring and Confidential Invoice Discounting)
Use cases: Bridge 30–120 day terms common with OEMs, Tier-1 suppliers, or main contractors.
Benefits: Unlock cash from invoices issued to creditworthy customers; facilities can scale as you grow.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Considerations: Fees apply; facility setup and service charges vary by provider.
Explore more on Invoice Finance for SMEs.
Working Capital and Cash Flow Loans
Use cases: Payroll, raw materials, consumables, rapid turnaround jobs, contingency.
Typical amounts: From £10,000 to £500,000+ depending on profile and security.
Terms: Short or medium term, unsecured or secured. A personal guarantee may be required.
Purchase Order and Contract Finance
Use cases: Fund materials and production for large orders before client payment.
Benefits: Accept bigger projects without tying up cash.
Considerations: Lender will review contract terms, counterparty, and delivery milestones.
R&D Tax Credit Bridging Finance
Use cases: Advance funds against expected HMRC R&D tax credits to support ongoing innovation.
Benefits: Maintain R&D momentum while awaiting HMRC payment.
Considerations: Assessment based on claim status, history, and supporting documentation.
Vehicle and Fleet Finance
Use cases: Vans, HGVs, service vehicles, mobile workshops.
Options: HP, lease, refinance existing vehicles.
Refinance and Consolidation
Use cases: Restructure existing commitments to improve monthly cash flow.
Considerations: Weigh fees and total cost of credit carefully before proceeding.
Commercial Property Finance (Selected Partners)
Use cases: Workshops, units, fabrication bays, extensions, buy/refurbish premises.
Terms/LTV: Subject to lender assessment, asset type, and your circumstances.
Typical Engineering Use Cases
Upgrading Machinery for Productivity
Replace aging CNC machines, add multi-axis capability, or deploy automation/robotics to increase throughput and reduce scrap rates.
Managing Long Payment Terms
Many engineering firms operate with 60–120 day receivables. Invoice finance or working capital solutions can smooth cash flow and protect supplier relationships.
Mobilising for New Contracts
Cover materials, specialist tooling, and staffing to start projects without cashflow strain—especially when up-front costs are significant.
Compliance, Quality, and Safety
Fund upgrades tied to ISO 9001/14001/45001, CE/UKCA marking, HSE requirements, LEVs/extraction, and calibration equipment.
Sustainability and Energy Efficiency
Finance energy‑efficient compressors, heat recovery, LED lighting, solar PV, or EV chargers to reduce operating costs and carbon footprint. See also Sustainability Loans.
Start-Ups and Growing Firms
Selected partners consider newly formed Limited companies with experienced directors. Expect a closer look at sector experience, pipeline, and plan.
What You’ll Get After You Enquire
- A fast, no‑obligation conversation with a relevant broker/lender
- An initial sense‑check of eligibility without impacting your credit score
- Options to compare (e.g., different terms, facilities, or lenders)
- Clear explanations in plain English—no jargon
- Typical response within hours (faster during business hours)
Rates, Terms, and Requirements (Transparent Overview)
- Rates and terms vary: Based on turnover, profitability, time trading, credit profile, sector, security, and facility type.
- Security: Some solutions are unsecured; others may require a personal guarantee or security over assets. Any requirements will be made clear by the lender/broker.
- Documents you may be asked for:
- Basic company details, director IDs, and contact info
- Latest filed accounts/management information and 3–6 months’ bank statements
- Aged debtor/creditor lists (for invoice finance)
- Asset or vendor quotes (for asset/equipment finance)
- Contracts/POs (for purchase order/contract finance)
- Funding speed: Some decisions within 24–72 hours after documents are provided; complex or property‑backed cases may take longer.
- Amounts: Typically from £10,000 up to £5,000,000+ depending on the product and your circumstances.
Important: Late repayment can cause serious money problems. For free and impartial help, visit MoneyHelper. You are under no obligation to proceed. Consider independent financial advice if unsure.
Why Engineering Firms Choose Fast Business Loans
- Sector‑aware matches: We connect you to partners who understand engineering workflows, supply chains, and payment cycles.
- Speed without the headache: One quick form; rapid introductions.
- No obligation and free to use: You don’t pay us—ever.
- Trusted connections: We work with verified UK brokers/lenders who treat customers fairly.
- Clear, fair, and not misleading: Simple, transparent communications—no small print surprises.
- Secure handling of your data: Shared only with relevant partners to process your enquiry.
Simple Eligibility Check — What We’ll Ask
- Your name and role
- Company name and registration (Limited or LLP)
- Years trading and turnover (approximate is fine)
- Amount sought and purpose (e.g., asset finance, invoice finance, cash flow)
- Contact details (phone and email)
- Consent to be contacted by selected partners
Takes less than 2 minutes. No impact on your credit score to enquire.
Optional: Engineering Finance Calculator (Illustrative Only)
Enter an amount, term, and example rate range to see an estimated monthly cost. This is an illustration only and not an offer. Actual costs depend on your circumstances and lender assessment.
Engineering Finance FAQs
Are you a lender?
No. Fast Business Loans is an introducer. We connect UK businesses with trusted brokers and lenders.
Will submitting an enquiry affect my credit score?
No. Completing our form does not impact your credit score. If you choose to proceed, a lender or broker may carry out credit checks.
How fast can funding be arranged?
Some facilities can be agreed within a few days once documents are supplied. Complex or property‑backed cases may take longer.
What amounts can I access?
Our partners can consider from approximately £10,000 to £5,000,000+, depending on facility type and your circumstances.
Can start‑ups get engineering finance?
Selected partners consider newly formed Limited companies; strong plans, relevant experience, and security can help.
Do I have to provide security or a personal guarantee?
It depends on the product and your profile. Some facilities are unsecured; others may require a personal guarantee or asset security.
What if I’ve been declined elsewhere?
Because we work with a broad panel, you may still be eligible. Matching you to the right partner matters.
Do you support invoice finance for long payment terms?
Yes. Several partners specialise in engineering‑led invoice finance with 30–120 day terms.
Can I refinance existing equipment?
Potentially, yes—selected partners offer asset refinance to release equity and improve cash flow.
Is there any obligation or cost to use your service?
No. Our service is free for business owners/directors and there’s no obligation to proceed.
Compliance and Disclosures
- Fast Business Loans is not a lender and does not provide financial advice. We act as an introducer to UK brokers and lenders.
- Your enquiry helps us connect you with relevant partners. They may contact you by phone or email to discuss options. You can opt out at any time.
- Risk warning: Late repayments can cause serious money problems. For free and impartial help, visit MoneyHelper.
- Any examples or timeframes are illustrative and not a guarantee. Rates and eligibility depend on your circumstances.
Start Your Engineering Finance Enquiry
Choose the option that suits you best and we’ll introduce you to a suitable broker or lender.
Get Quote Now Free Eligibility Check Get Started
Related pages:
– How do Fast Business Loans work?
Complete a short online enquiry and we’ll instantly match your UK business with suitable brokers and lenders who contact you to discuss tailored finance options.
– Are you a lender or broker?
We’re not a lender and we don’t give financial advice—we’re a free matching service that introduces UK businesses to trusted brokers and lenders who follow FCA guidelines.
– Will submitting an enquiry affect my credit score?
No, submitting an enquiry with us doesn’t affect your credit score; any credit checks only happen later if you choose to proceed with a lender.
– How quickly can I get approved and funded?
You’ll typically hear from a lender or broker within minutes to a few hours, with funding speed dependent on the provider and your circumstances.
– What types of business finance can you help me access?
We connect UK businesses with unsecured and secured business loans, cashflow loans, invoice finance, asset and equipment finance, vehicle and fit-out finance, refinance, commercial finance, and sustainability loans.
– How much can I borrow?
Our partners consider finance from around £5,000 up to £5 million or more, depending on eligibility.
– Do you work with start-ups and small businesses?
Yes, many of our partners specialise in helping start-ups and growing SMEs across the UK access business finance.
– Can you help if I’ve been declined for a business loan before?
Yes, because we work with a wide panel of lenders and brokers, you may still be eligible even if you’ve been refused elsewhere.
– Which industries do you support?
We support most UK sectors—including construction, hospitality, retail and e-commerce, healthcare, farming, logistics, engineering, and professional services—via partners who understand your industry.
– Does your service cost anything, and is there any obligation?
Our service is free to use and there’s no obligation to proceed with any offer you’re shown.