Why manufacturing finance matters right now

• Cash flow pinch points: Longer supplier lead times, extended customer payment terms, seasonal demand spikes, and energy/material price volatility.
• Growth pressures: Automation, robotics, Industry 4.0 upgrades, capacity expansion, and export orders requiring upfront spend.
• Resilience: Diversifying suppliers, holding critical spares, and upgrading to energy‑efficient plant to reduce OPEX.

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Simple process. Specialist partners.

1. Tell us what you need
   Complete a short enquiry with basic business details, the funding amount, and what you’re financing (machinery, working capital, stock, etc.). It takes less than 2 minutes.
2. We match you to suitable partners
   We connect you with verified UK lenders and specialist brokers experienced in manufacturing finance.
3. Rapid response
   Expect a call or email shortly to discuss options, indicative terms, and documents required.
4. Compare and choose
   Review proposals and proceed only if you’re happy. No pressure, no obligation.

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Types of manufacturing finance available

Every factory is different. Through our broker and lender panel, we can connect you with solutions tailored to your production profile and asset base.

Asset finance and equipment finance (including hire purchase and leasing)

• Suitable for: CNC machines, lathes, milling centres, laser cutters, presses, packaging lines, 3D printers, robotics, forklifts, plant upgrades.
• Benefits: Spread cost over useful life, conserve working capital, potential tax efficiencies (speak to your accountant), finance both new and used equipment.
• Use cases: Automating bottlenecks, replacing end‑of‑life machines, adding redundancy to critical stages.

Working capital and cashflow loans

• Suitable for: Raw materials, increased WIP and finished stock, labour, energy costs.
• Benefits: Smooth production cash cycles; bridge timing gaps between purchasing and customer receipts.
• Use cases: Peak season ramp‑up, supplier prepayments, buffer against volatile input costs.

Invoice finance (factoring and invoice discounting)

• Suitable for: Manufacturers with extended payment terms from trade customers.
• Benefits: Unlock cash tied up in receivables; scale with turnover; reduce debtor concentration risk.
• Use cases: Large new contracts, export invoices, major retailers or OEMs with 60–90+ day terms.

Refinance and consolidation

• Suitable for: Restructuring existing commitments to improve monthly cash flow.
• Benefits: Potentially lower monthly outgoings; simpler repayment schedule.
• Use cases: Modernising the balance sheet; freeing headroom for expansion capex.

Trade and purchase order finance

• Suitable for: Funding supplier deposits and production costs against confirmed orders.
• Benefits: Accept larger orders without straining cash flow.
• Use cases: OEM/white‑label contracts, export POs, scaling a new product line.

Commercial property finance (factories, warehouses)

• Suitable for: Buying, refinancing, or expanding industrial premises.
• Benefits: Potential equity release; long‑term control over occupancy.
• Use cases: Expanding production area, consolidating sites, mezzanine projects.

Sustainability and energy efficiency finance

• Suitable for: Solar PV, heat pumps, high‑efficiency compressors, LED retrofits, heat recovery, EV chargers.
• Benefits: Lower energy spend and carbon footprint; potential grants/incentives.
• Use cases: Energy‑intensive lines, ISO 14001 goals, ESG commitments.

Vehicles and fleet finance

• Suitable for: HGVs, vans, MHE, yard vehicles.
• Benefits: Preserve capital; match payments to usage.
• Use cases: Fleet renewal, compliance with clean air zones, last‑mile delivery.

We do not provide financial advice. Terms, amounts, and eligibility depend on individual circumstances and lender criteria.

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From precision engineering to food production

• Precision engineering and CNC machining
• Fabrication, metalworking, plastics, injection moulding
• Food and beverage manufacturing
• Packaging, printing, and labelling
• Electronics and components
• Furniture, joinery, and interiors
• Chemicals and pharmaceuticals
• Textiles and apparel
• Automotive and aerospace supply chain
• Renewable energy components and clean‑tech

Whatever your niche, we’ll connect you with lenders and brokers who understand your processes, lead times, and QA standards.

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Eligibility and documents checklist

• Business profile: UK‑registered limited company or LLP.
• Trading history: Options for both established firms and eligible early‑stage companies.
• Financials: Latest accounts and/or management information, bank statements; aged debtor/creditor lists for invoice finance.
• Asset details: Quotes/specifications for machinery; serial numbers for refinances; equipment age and condition.
• Contracts & orders: POs, framework agreements, or customer schedules (for trade/invoice finance).

Note for early‑stage manufacturers: Some partners consider young companies where there’s sector experience, purchase orders, or strong collateral. Submit an enquiry to see your options.

• Your enquiry won’t affect your credit score
• Our platform is free to use and there’s no obligation to proceed

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How quickly can funding happen — and what might it cost?

• Speed: Many partners respond the same day. Funding times can range from 24 hours to several working days or longer depending on product type, underwriting complexity, and document readiness.
• Costs: Rates, fees, and terms vary by lender, asset type, credit profile, and security. Offers are tailored — you can compare real proposals once matched.
• Repayment: Structured to suit cash cycles. For asset finance, terms may align to the asset’s useful life; for working capital, shorter terms are common; invoice finance flexes with turnover.

We make no guarantees on approval, rates, or funding amounts. Any examples are illustrative only and not advice.

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Real‑world scenarios we regularly see

• Upgrading a bottleneck machine: A fabrication shop replaces an ageing press brake with a faster, energy‑efficient model via hire purchase — freeing capacity and reducing rework.
• Scaling for a major retailer: A food manufacturer funds raw materials and packaging to fulfil a large supermarket order using invoice finance plus a short‑term cashflow facility.
• Energy efficiency upgrade: A plastics manufacturer installs high‑efficiency compressors and heat recovery, financed over time to align savings with repayments.

The above are generic examples for illustration; every business is different and outcomes vary.

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Why manufacturers choose us

• Sector‑matched partners: Lenders and brokers who understand your machines, materials, and margins.
• Speed and simplicity: Quick, streamlined matching and introductions.
• No obligation and free to use: You choose if and when to proceed.
• Transparent and secure: Your details shared only with relevant partners.
• UK focus: We connect UK‑based businesses with professional partners who follow clear, fair, and not‑misleading standards.

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Manufacturing business loans — FAQs

Are you a lender?

No. Fast Business Loans is an introducer. We connect you to trusted brokers and lenders who can offer finance directly.

Will my enquiry affect my credit score?

No. Submitting our enquiry does not affect your credit score. If you proceed with a lender, they may run credit checks.

How much can I borrow?

Options typically range from around £10,000 to £5 million+ depending on business profile, security, asset type, turnover, and affordability.

Can you help with new and used machinery?

Yes. Many partners finance both new and used equipment, subject to age, condition, and residual value.

We’re growing fast but cash is tight — can you help?

Often yes. Working capital loans, trade finance, and invoice finance are designed to support growth and longer payment terms.

How long will it take to get a decision?

Many partners respond within hours during business hours. Overall funding timelines vary by product and documentation.

Do you support early‑stage companies?

Some partners consider early‑stage limited companies and LLPs, especially where there’s strong sector experience, orders, or security. Submit an enquiry to explore options.

Do you provide financial advice?

No. We do not provide financial advice. We introduce you to professionals who will discuss products and terms directly with you.

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Clear, fair, and not misleading

• We are not a lender and we do not offer financial advice.
• Enquiries are free and there’s no obligation to take a loan.
• Any funding is subject to status, affordability checks, and lender criteria.
• Our partners aim to treat customers fairly and provide transparent information.
• We aim to ensure all promotions are clear, fair, and not misleading, in line with advertising standards.

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Explore related finance options

• Invoice Finance
• Equipment Finance
• Sustainability & Energy‑Efficiency Finance
• Construction Business Loans
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