Manufacturing runs on precision and timing. New contracts arrive, raw materials need buying, tooling must be ordered and machines have to keep running — even when customer payments are weeks away. If you’re looking for manufacturing business loans or specialist finance, UK Business Loans connects you quickly with knowledgeable UK brokers and lenders who understand factories, production cycles and engineering margins.

We’re not a lender and we don’t provide financial advice. Our role is simple: match your enquiry with experienced partners who can provide tailored quotes — fast, free and with no obligation to proceed.

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Finance built for manufacturing — simple, fast and sector‑aware

Manufacturers don’t just need “a loan.” You might need asset finance for a 5‑axis CNC, invoice finance to bridge 45–90‑day customer terms, or a working capital facility to ramp up production before a big delivery window. That’s why we route your details to lenders and brokers who specialise in financing machinery, tooling, materials, export and factory improvements.

• Quick enquiry: about 2 minutes
• Fast responses: often the same day
• No obligation: compare offers and costs before you decide
• UK‑wide coverage: precision engineering, fabrication, food and drink, packaging, pharma, automotive, electronics and more

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From enquiry to offers — usually within hours

1) Tell us what you need

Complete a short form with the basics: your business, funding amount, and what the money is for — machinery, materials, energy upgrades, a new line or working capital.

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2) Get matched instantly

We connect you with selected lenders and brokers who focus on manufacturing and your specific finance type.

3) Fast response

Expect a call or email — often within hours — to discuss your options, terms and next steps.

4) Compare with confidence

Review offers, fees and structures. Proceed only if you’re happy — there’s no obligation to accept any offer.

Submitting an enquiry via UK Business Loans won’t affect your credit score. If you choose to proceed with a lender or broker, they may carry out credit and affordability checks.

Popular manufacturing finance products we can connect you with

The right solution depends on your use case, equipment lifespan, order book, collateral and cash flow. Our partners can support a wide range of manufacturing finance needs:

Asset Finance (Hire Purchase & Finance Lease)

Spread the cost of CNC machines, presses, lathes, robotics, tooling, forklifts and plant. Terms often align to the asset’s economic life; ownership options are typically available with Hire Purchase.

Equipment Finance

Specialist funding for production lines, automation cells, additive manufacturing, metrology and IT/ERP infrastructure to improve throughput and quality.

Invoice Finance (Factoring & Confidential Invoice Discounting)

Release cash against raised invoices to smooth cash flow while you wait for 30–90‑day terms. Factoring includes credit control support; confidential discounting keeps control in‑house.

Working Capital & Term Loans

Secured or unsecured loans for materials, staffing, seasonal demand, energy cost spikes, R&D or certification costs.

Revolving Credit Facilities

Draw down, repay and re‑use funds as needed to cover purchase orders and short‑term gaps.

Trade & Export Finance

Support for deposits, letters of credit and cross‑border terms with suppliers and customers.

Refinance & Consolidation

Restructure existing agreements or release equity from owned assets to reduce monthly outgoings.

Commercial Mortgages

Acquire, refinance or refurbish manufacturing premises, warehouses or industrial units.

Fit‑Out & Refurbishment Finance

Upgrade factory floors, power distribution, extraction, HSE compliance and energy‑efficient lighting.

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Typical uses of manufacturing business loans

• Machinery and plant acquisition: CNC, milling, turning, EDM, presses, robotics, conveyors, compressors
• Tooling and moulds for new projects
• Raw materials, packaging and inventory buffers
• Energy efficiency upgrades: variable speed drives, insulation, solar, heat recovery, battery storage
• Factory refits: power distribution, extraction, safety systems, workflow and lean improvements
• Software and digital transformation: ERP/MRP, CAD/CAM, MES, QA systems and cybersecurity
• Certification and compliance: ISO audits, CE/UKCA marking and HSE requirements
• Recruitment and training for specialist operators or engineers
• Export growth: packaging, logistics, trade terms and working capital
• Bridging cash flow between order acceptance, production and customer payment

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Can my manufacturing business qualify?

Every case is different. Lenders and brokers assess multiple factors and we’ll match you with partners best suited to your profile and funding purpose.

Trading history and turnover

A longer track record helps, but early‑stage manufacturers may still be eligible via asset‑backed or contract‑backed solutions.

Profitability and cash flow

Management accounts, bank statements and order‑book visibility help assess affordability and sustainability.

Security and guarantees

Secured and unsecured options exist; personal guarantees and/or debentures may be requested depending on risk and facility type.

Order book and customer base

Pipeline POs, framework agreements and end‑customer creditworthiness can strengthen applications.

Assets and liabilities

Existing equipment, any unencumbered assets and current commitments are considered.

Credit profile

Adverse credit doesn’t always mean “no.” Some partners specialise in imperfect credit histories.

Documents you may be asked for

• Last 3–12 months’ business bank statements
• Management accounts or filed accounts (where available)
• Aged debtor/creditor reports (for invoice finance)
• Asset list and supplier quotes (for equipment finance)
• Basic ID and business information

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Rates, terms and fees — clear, fair and not misleading

We are not a lender and do not set rates or make credit decisions. Pricing, terms and fees are set by your chosen provider and depend on factors such as product type, term, security, business performance and credit profile.

You’ll receive a tailored, no‑obligation quote so you can compare total costs before making a decision.

Indicative guidance only (not an offer)

• Asset/equipment finance: terms often 2–7 years aligned to asset life
• Working capital/term loans: typically 6–60 months depending on profile and purpose
• Invoice finance: facility limits linked to eligible debtor book; advance rates and fees vary

There are no fees to submit an enquiry via UK Business Loans. If you proceed, your chosen provider will explain all applicable costs and charges in writing before you commit.

Example use cases we see in UK manufacturing

Precision engineering firm — 5‑axis CNC expansion

Challenge: New aerospace contract required two additional machines; cash reserves tied up in materials.

Solution: Hire Purchase over 60 months with seasonal payments matched to delivery milestones.

Outcome: Increased capacity by 30% and met schedules without straining working capital.

Food manufacturing — smoothing cash flow on 45‑day terms

Challenge: Large retailers on extended payment terms created pressure on payroll and packaging costs.

Solution: Confidential invoice discounting with a concentration cap to fund a significant portion of eligible invoices.

Outcome: Stabilised cash flow and secured early‑payment discounts with suppliers.

Plastics manufacturer — energy efficiency retrofit

Challenge: High energy costs on injection moulding line reduced margins.

Solution: Equipment finance for variable speed drives and heat recovery, plus a working capital top‑up.

Outcome: Reduced energy usage per unit and improved unit economics.

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Why choose UK Business Loans for manufacturing

• Specialist matching: connect with partners who already work with manufacturers
• Fast responses: often within hours of your enquiry
• Choice: compare a range of options and structures
• Free and no obligation: it costs nothing to check your eligibility
• UK‑wide coverage: from precision engineering to FMCG, automotive, pharma, packaging and more
• Secure and confidential: your details shared only with relevant, approved partners
• Transparent approach: information that is fair, clear and not misleading

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Important information

UK Business Loans is not a lender and does not provide financial advice. We act as an introducer, connecting UK businesses with brokers and lenders who may be able to offer finance directly.

All financial promotions should be fair, clear and not misleading. We aim to present balanced information so you can make informed decisions.

Your enquiry via UK Business Loans won’t affect your credit score. If you proceed with a provider, they may carry out credit and affordability checks.

Availability of products, eligibility and pricing are subject to status, creditworthiness and provider criteria. There is no obligation to accept any offer. If you’re unsure about suitability, consider seeking independent financial advice.

Manufacturing finance FAQs

What’s the fastest way to fund new machinery?

Many manufacturers use Hire Purchase or Finance Lease so repayments align with asset life. For standard assets and complete documents, some providers can respond quickly.

Can I finance used equipment?

Yes — subject to asset age, condition and resale profile. Your matched partner can confirm acceptable specifications.

Will an enquiry affect my credit score?

No. Enquiries via UK Business Loans won’t affect your credit score. Credit checks may be performed by partners only if you decide to proceed.

Can start‑ups in manufacturing get finance?

Potentially, especially where there’s asset security, purchase orders or personal guarantees. We’ll match you with partners experienced in early‑stage manufacturing.

How much can I borrow?

Facility sizes vary by product and your business profile. Partners on our network support from five‑figure facilities to multi‑million solutions, subject to status and underwriting.

Do you support green or energy‑efficiency projects?

Yes. Many partners provide finance for energy‑saving upgrades such as variable speed drives, heat recovery, solar and battery storage.

What documents will I need?

Typically: basic business and ID details, quotes for equipment (if applicable), 3–12 months’ bank statements and recent accounts. Invoice finance applications may also require aged debtor reports.

Are there government‑backed schemes available?

Government support schemes change over time. Your matched broker can confirm current availability and eligibility where applicable.

Start your enquiry

Tell us a few details about your manufacturing business and the funding you’re looking for. We’ll match you to a well‑suited lender or broker who will contact you directly by email or phone with your options.

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