Manufacturing Business Loans & Finance in the UK
Summary: If your UK manufacturing business needs funding of £10,000 or more — for new machinery, working capital, premises or to smooth seasonal cash flow — Fast Business Loans can quickly match you with lenders and brokers that specialise in manufacturing finance. Completing our short enquiry is free, not an application, and helps us pair your business with the best providers so you can receive tailored quotes fast. Get Started – Free Eligibility Check.
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.
Why UK Manufacturers Turn to Fast Business Loans
Manufacturing businesses face unique capital demands: expensive plant and machinery, inventory and raw material spikes, seasonal orders and complex supply chains. Fast Business Loans does not lend money. Instead we save you time and improve your chances of being offered suitable finance by introducing your business to hand‑picked lenders and brokers who understand manufacturing.
- Sector expertise: we match you with providers experienced in funding manufacturing projects — from equipment purchase to working capital.
- No upfront cost: our matching service is free and without obligation.
- Quick, confidential process: a short enquiry (typically under 2 minutes) helps us shortlist lenders most likely to offer terms that suit your business.
- Practical outcomes: you receive direct contact from brokers/lenders with quotes and next steps — no lengthy searching or unsuitable offers.
Compare Manufacturing Loan Options Now — Free Eligibility Check
What Funding Do Manufacturing Businesses Need Today?
Current industry drivers — automation, green upgrades, reshoring activity and pressure on working capital — mean manufacturers need flexible funding options. Common needs include:
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.
- Replacement or upgrade of production line equipment and robotics
- Working capital to bridge supplier payments and large contracts
- Funding for new premises or factory refurbishments
- Invoice finance to unlock cash tied to unpaid invoices
- Refinancing existing debt to improve monthly cash flow
Fast Business Loans connects you with lenders/brokers who specialise in these areas so you can compare quotes that reflect manufacturing realities.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Manufacturing Finance Solutions We Can Help You Access
Below is an overview of the main finance types manufacturing firms use and typical terms for each. If you’re unsure which is best for your project, complete a short enquiry and we’ll match you to lenders/brokers who will advise.
| Loan Type | Use Case | Typical Amounts | Typical Terms | Best For |
|---|---|---|---|---|
| Working Capital Loans | Short-term cashflow gaps, supplier payments | £10,000 – £500,000+ | Months to 5 years | Sectors with fluctuating receipts |
| Equipment / Asset Finance | Buy new/used machinery, leasing | £10,000 – £2m+ | 1–7 years (finance lease or hire purchase) | Machinery, CNC, production lines |
| Invoice Finance | Release cash from unpaid invoices | Funding linked to invoice book | Revolving facilities | Manufacturers with large B2B invoices |
| Commercial Mortgages / Property Finance | Buy or refinance factory premises | £50,000 – £5m+ | 5–25 years | Expansion or relocation projects |
| Refinance & Consolidation | Replace expensive debt or simplify repayments | £10,000 – £multi‑million | Varies | Businesses seeking cashflow relief |
Check Eligibility in 2 Minutes — Get Quote Now
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
More detail on common options
Working capital & cashflow loans
Flexible short-term facilities that help manufacturers finance stock, raw materials and payroll during growth or seasonal peaks.
Equipment & asset finance
Structured finance, hire purchase or leasing options let you spread the cost of machinery while preserving working capital.
Invoice finance & supply chain funding
Invoice discounting or factoring unlocks funds tied to outstanding invoices so production and delivery aren’t delayed by slow-paying customers.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Our 4‑Step Enquiry Process Works
- Complete a short enquiry — tell us about your company, funding need and contact details (takes under 2 minutes). This is not an application.
- We match you — your details are assessed and shared securely with relevant lenders/brokers on our panel who specialise in manufacturing finance.
- Receive contact & quotes — matched partners contact you directly with potential options and may request documents if you wish to proceed.
- Compare & decide — review offers and choose the lender or broker that best fits your needs; there’s no obligation to proceed.
Typical turnaround: many businesses receive contact within hours during business days; funding timelines depend on lender requirements and documentation but can be as quick as a few days for some facilities.
Get Started – Free Eligibility Check
Eligibility Snapshot for Manufacturing Finance
Lenders vary, but common eligibility points include:
- Limited company trading history (many lenders prefer established businesses, though some lenders will consider newer concerns)
- Management accounts, VAT returns, bank statements and creditor/debtor profiles
- Details of the asset to be financed for equipment funding (quotes, serial numbers)
- Demonstrable cashflow plan for working capital facilities
Adverse credit or seasonal revenue
If your business has had credit challenges or strong seasonality, don’t assume you’re automatically excluded. Our panel includes lenders and brokers who assess applications holistically — completing the enquiry lets us find those most likely to help.
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.
Cost Considerations and Responsible Borrowing
Costs depend on product, lender criteria, security and business strength. Typical influences:
- Secured vs unsecured lending — secured loans (against property or assets) generally cost less.
- Borrower credit profile and business performance.
- Loan term — shorter terms often mean higher monthly cost but less overall interest.
- Facility fees, arrangement fees and early repayment charges — check total cost of credit.
Fast Business Loans introduces you to providers; the lender/broker sets terms. We encourage responsible borrowing: only commit to facilities your business can sustain and seek independent advice if unsure.
Real‑World Manufacturing Funding Use Cases
Case 1 — New production line (Equipment Finance)
Challenge: A Midlands electronics manufacturer needed a new SMT line to meet a large contract but lacked upfront funds.
Solution: Asset finance arranged through a specialist broker allowed 60% funding with balance over 5 years.
Result: Manufacturer met the contract, increased capacity and repaid from new sales.
Case 2 — Seasonal stock (Working Capital)
Challenge: A textile component maker required raw materials ahead of a seasonal spike.
Solution: Short-term working capital loan structured to match sales seasonality.
Result: Orders fulfilled, cashflow smoothed, repeat facility arranged for future seasons.
Case 3 — Unlocking cash (Invoice Finance)
Challenge: A subcontract manufacturer had slow-paying customers limiting growth.
Solution: Invoice discounting provided immediate liquidity.
Result: Improved supplier terms, stabilized cashflow and enabled growth investment.
Why Acting Quickly Can Benefit Manufacturing Projects
Securing finance early can let you lock supplier discounts, secure scarce machinery ahead of lead‑time increases and accept a large one‑off order without cashflow strain. If timing matters for a specific project, tell us in your enquiry so we prioritise speedy matches.
Secure the Right Manufacturing Finance Partner – Get Quote Now
Frequently Asked Questions
Can I finance CNC machines or full production lines?
Yes. Many lenders provide asset finance or hire purchase arrangements for machinery, allowing you to spread cost while using the equipment. Exact terms depend on age, value and lender appetite.
Are seasonal manufacturers eligible for working capital?
Yes. Several lenders understand seasonal turnover and can structure repayment schedules or revolving facilities that align with peak trading periods.
How fast can funding reach my business?
Timescales vary. Some lenders can offer funds within days of approval for straightforward facilities; more complex commercial mortgages or bespoke deals take longer. The enquiry helps us find the fastest suitable partners.
Can I combine asset finance with invoice funding?
Often yes — businesses use a mix of facilities. Brokers can advise on structuring multiple products to avoid overlap and ensure covenants are manageable.
Will applying through Fast Business Loans affect my credit score?
No. Completing our enquiry does not impact your credit score. Lenders may carry out credit checks only if you proceed with an application after you’re matched.
Do you support green manufacturing initiatives?
Yes. We work with partners who provide funding for energy efficiency, low‑carbon equipment and sustainability projects — tell us about green projects in your enquiry.
Ready to Explore Manufacturing Finance?
If your project needs funding of £10,000 or more, the quickest way to get tailored lender/broker contact is to complete our short enquiry. It’s free, confidential and not an application — it simply lets us match you to finance partners who can offer the best fit for your circumstances.
Start Your Manufacturing Finance Enquiry
Small print / Disclaimers
Fast Business Loans is an introducer that connects UK businesses with lenders and brokers. Completing our enquiry form is not a loan application and does not guarantee funding. Loan terms, availability and costs are determined by lenders and brokers. We do not provide financial advice; if you are unsure whether a product is suitable for your business, please obtain independent advice.
Related reading: see our broader industry resource on manufacturing business loans for more sector-specific guidance.
– What types of manufacturing finance can I get in the UK?
You can access working capital loans, equipment and asset finance, invoice finance, commercial mortgages for premises, and refinance or consolidation tailored to manufacturers.
– Can I finance CNC machines, robotics, or a full production line?
Yes—specialist lenders offer asset finance, hire purchase, or leasing for new and used machinery, with terms based on the asset and your business profile.
– How fast can a manufacturing business get funding?
You’ll usually hear from a lender or broker within hours, and straightforward facilities can fund in a few days once documents are provided.
– Will completing your enquiry affect my credit score?
No—the enquiry is not a loan application and won’t affect your credit score; credit checks occur only if you proceed with a lender.
– What loan amounts and terms are available for manufacturers?
Funding typically ranges from £10,000 to multi‑million facilities, with terms from a few months up to 25 years depending on the product.
– What eligibility criteria and documents do lenders usually require?
Lenders often look for trading history plus management accounts, VAT returns, bank statements, and (for equipment finance) asset details like quotes or serial numbers.
– Can I get manufacturing finance with bad credit or seasonal revenue?
Yes—our panel includes lenders who assess cases holistically and can structure facilities around adverse credit or seasonal cash flow.
– Can I get finance to buy or refinance factory premises?
Yes—commercial mortgages and property finance are available for buying, refinancing, expanding, or relocating manufacturing premises.
– What will my manufacturing loan cost?
Costs depend on whether lending is secured or unsecured, your credit profile, loan term, and any arrangement or early‑repayment fees, so compare total cost of credit.
– How does Fast Business Loans work for manufacturers?
Complete a free 2‑minute enquiry, we securely match you with specialist UK lenders/brokers, you receive tailored quotes directly, and you choose with no obligation.