Manufacturing Business Loans — Precision Engineering, Fabrication & Plastics
Summary — Short answer: Yes. UK Business Loans connects manufacturers in precision engineering, metal fabrication and plastics production with specialist lenders and brokers who routinely provide asset finance, equipment loans, invoice and working capital facilities. We don’t lend directly — we match your business to the best fit lenders/brokers so you can receive tailored quotes for facilities from around £10,000 upwards. Start with a quick, no‑obligation Free Eligibility Check to see your options.
Why manufacturers choose specialist lenders
Manufacturing businesses face distinct funding challenges: high‑value capital equipment, long lead times for parts, contract-based revenue, fluctuating material costs and often long payment terms from customers. Specialist lenders and brokers understand this mix — they know the asset lifecycles (CNC centres, presses, injection moulders), the way tooling costs are amortised and how to structure staged funding around contract milestones.
Typical finance needs for manufacturers include:
- Asset finance for machinery and plant (hire purchase, finance lease)
- Tooling and mould funding (staged or amortised finance)
- Invoice finance to unlock working capital tied to unpaid invoices
- Working capital loans and overdrafts to smooth seasonal cashflow
- Contract / tender finance to cover deposits or mobilisation costs
- Sustainability or energy efficiency funding for factory upgrades
Use-cases are straightforward: buying a multi‑axis CNC to increase capacity, funding a large subcontract deposit, replacing an ageing injection moulding machine, or funding bespoke tooling to service a repeat order.
Do our partners work with precision engineering?
Yes — many brokers and lenders in our panel specialise in precision engineering finance. Precision firms commonly need high‑value, high‑spec equipment (CNC centres, EDM machines, metrology rigs) and may also require working capital to bridge long contract terms or to fund prototypes and R&D tooling.
How partners typically help precision engineering firms:
- Asset finance (HP or finance lease) for CNC cells, lathes, grinders and test equipment.
- Invoice financing to unlock cash from milestone invoicing on long contracts.
- Leasing for high‑value metrology and calibration equipment where preservation of capital is a priority.
- Export and contract finance for firms supplying overseas OEMs.
Example: a precision subcontractor funded a new CNC cell through an asset finance package that spread cost over useful life, enabling them to win a multi‑year contract without a major capital outlay.
Get Quote Now — 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.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
UK Business Loans is an introducer — we do not provide credit, nor give regulated financial advice. We connect you with FCA-regulated brokers and lenders. Our service is free. Submitting an enquiry will not affect your credit score.
Do our partners work with fabrication shops?
Yes. Fabrication businesses — steelwork contractors, sheet metal and weld shops, structural fabricators — frequently use the types of facilities our partners arrange. Lenders in our network are familiar with the seasonality of fabrication work, contract retentions and the need for staged releases as projects progress.
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.
Common solutions for fabrication firms:
- Equipment finance for laser/plasma cutters, press brakes, plate rollers and welding lines.
- Contract or tender finance to fund mobilisation costs and bid bonds.
- Working capital facilities to cover long material lead times.
- Refinance options to consolidate multiple facilities into a single, manageable debt.
Short anonymised example: a mid‑sized structural fabricator used invoice finance to cover 60‑day customer payment terms, removing the need to delay supplier payments and enabling the business to bid for larger contracts.
Start Your 2‑Minute Enquiry — Free Eligibility Check
UK Business Loans is an introducer — we do not provide credit, nor give regulated financial advice. We connect you with FCA-regulated brokers and lenders. Our service is free. Submitting an enquiry will not affect your credit score.
Do our partners work with plastics manufacturers?
Yes. Plastics manufacturers (injection moulding, extrusion, blow moulding and thermoforming) have specific funding needs: expensive bespoke tooling, amortisation across production, high raw‑material costs and batch payment cycles. Our partners have experience structuring funding for both moulds and the machines that run them.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How tooling and plastics equipment are commonly funded:
- Tooling finance using staged payments tied to production milestones so mould costs are recovered over time.
- Asset finance for injection moulding machines and auxiliary equipment.
- Invoice or stock finance for distributors and manufacturers with batch invoicing patterns.
- Blended packages combining asset finance and working capital to reduce initial cash outlay.
Example: an injection moulder combined tooling finance with an asset finance agreement for a new machine; monthly payments were matched to projected order fulfilment to keep cashflow stable.
Get Started — Free Eligibility Check
UK Business Loans is an introducer — we do not provide credit, nor give regulated financial advice. We connect you with FCA-regulated brokers and lenders. Our service is free. Submitting an enquiry will not affect your credit score.
What lenders and brokers in our network typically offer
To help you scan quickly, here are the facility types commonly available to manufacturers:
- Asset finance (hire purchase, finance lease, operating lease)
- Equipment & machinery loans — fixed-term finance for specific plant
- Invoice finance (factoring & discounting)
- Working capital loans and overdrafts
- Contract/tender finance — mobilisation deposits and progress funding
- Refinance & debt consolidation
- Sustainability/green loans for energy saving upgrades and EV/efficiency projects
- Export finance and government-backed schemes when available
Eligibility & what lenders look for
Preparing the right information increases the chance of a quick positive response. Typical criteria and documents lenders check:
- Trading history and annual turnover
- Profitability and cashflow forecasts
- Order book, purchase orders and customer contracts
- Asset details (age, condition, serial numbers, maintenance records)
- Management accounts, recent statutory accounts and VAT returns
- Credit history and any director guarantees where required
Manufacturing-specific evidence to prepare:
- Service/maintenance logs and PAT records for equipment
- Detailed tooling quotes and production amortisation schedules
- Export documentation for overseas contracts
Most lenders we introduce consider deals from around £10,000 upwards through to multi‑million packages for larger projects. If you’re unsure whether you qualify, a Free Eligibility Check is the fastest way to find out.
Free Eligibility Check — Get Quote Now
UK Business Loans is an introducer — we do not provide credit, nor give regulated financial advice. We connect you with FCA-regulated brokers and lenders. Our service is free. Submitting an enquiry will not affect your credit score.
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.
Timeline & process
We keep the process simple and transparent so you can manage expectations:
- Submit a short enquiry — it takes around 2 minutes.
- We instantly match your enquiry to relevant lenders/brokers in our panel.
- Brokers/lenders normally contact you by phone or email — often within hours.
- Document requests and conditional offers usually follow within 24–72 hours for standard asset finance; bespoke facilities can take 2–4 weeks.
- Once you accept terms, drawdown and delivery schedules are arranged with the lender.
Start Your Enquiry (2 minutes)
UK Business Loans is an introducer — we do not provide credit, nor give regulated financial advice. We connect you with FCA-regulated brokers and lenders. Our service is free. Submitting an enquiry will not affect your credit score.
Fees, rates & disclosures
We do not set or guarantee interest rates. Rates and fees depend on the chosen lender, the asset, term and your business credit profile. Typical fees you may encounter include arrangement fees, valuation costs, broker fees and early repayment charges.
What to ask for when you receive an offer:
- A full breakdown of interest, fees and total cost of credit
- Repayment schedule and any balloon or residual payments
- Conditions of drawdown and any covenants or guarantees required
Important disclosure: UK Business Loans is an introducer — we do not provide credit and we do not give regulated financial advice. Lenders and brokers provide terms and make lending decisions.
Short case studies / examples
Precision engineering: A Hampshire subcontractor acquired a new CNC cell via hire purchase. Monthly payments matched projected contract revenues, enabling them to win a higher‑value supplier contract.
Fabrication: A Midlands fabricator used invoice finance to cover extended customer payment terms on a large construction job, avoiding supplier delays and securing the contract on time.
Plastics: An injection moulder secured tooling finance for a bespoke mould. The lender released funds in stages tied to mould completion and first production, reducing initial cash strain.
Frequently asked questions
Do you lend directly?
No. UK Business Loans is an introducer — we match your manufacturing enquiry with lenders and brokers who can provide finance.
Will an enquiry affect my credit score?
No. Submitting an enquiry via our service does not affect your personal or business credit score. Lenders may conduct checks later in the application process.
What loan sizes are available?
Typical lenders in our network handle facilities from around £10,000 to several million pounds, depending on the product and the business.
Can start-ups or newer manufacturers apply?
Yes — some specialist lenders and brokers support newer businesses, though requirements vary and evidence such as contracts or credible forecasts will help.
Can you help with machinery and tooling?
Yes — tooling and machinery finance is a common request we match to specialist providers experienced in amortising bespoke capital costs.
How quickly will I hear back?
Often within hours during business days; full quotes typically follow in 24–72 hours for standard requests.
Next steps — Ready to get a tailored quote?
Complete our short enquiry and we’ll match you to lenders and brokers who specialise in manufacturing finance. It’s quick, free and no obligation.
Get Quote Now — Free Eligibility Check
UK Business Loans is an introducer — we do not provide credit, nor give regulated financial advice. We connect you with FCA-regulated brokers and lenders. Our service is free. Submitting an enquiry will not affect your credit score.
Need help choosing what to ask for in an offer? When you get a quote, request a full costs schedule and a repayment plan — and if you’d like help comparing multiple offers, complete our enquiry and a broker/lender will contact you to discuss options.
– Q: How can I get a manufacturing business loan for my precision engineering, fabrication or plastics business?
A: Complete a short enquiry with UK Business Loans to be matched to specialist lenders and brokers who can offer tailored manufacturing business loans, asset and equipment finance.
– Q: What types of finance are available for manufacturers?
A: Manufacturers commonly access asset finance (hire purchase, finance lease), equipment loans, tooling/mould finance, invoice finance and working capital facilities.
– Q: How much can I borrow for machinery or tooling?
A: Lenders in our network typically handle facilities from around £10,000 up to multi‑million packages depending on the asset and business profile.
– Q: Will submitting an enquiry affect my personal or business credit score?
A: No — submitting a Free Eligibility Check or enquiry via UK Business Loans does not affect your credit score; lenders may carry out checks later in the application process.
– Q: Can start‑ups or newer manufacturing businesses get funding?
A: Yes — some specialist lenders and brokers support start‑ups and newer manufacturers, especially where you can provide contracts, purchase orders or credible forecasts.
– Q: What documents and information do lenders look for when assessing manufacturing loan applications?
A: Lenders typically request trading history, turnover, management accounts or statutory accounts, cashflow forecasts, order book/customer contracts and asset details such as maintenance logs and serial numbers.
– Q: How long does it take to receive a quote and drawdown funding?
A: You can often hear from matched brokers/lenders within hours and receive conditional offers in 24–72 hours for standard asset finance, while bespoke facilities may take 2–4 weeks.
– Q: Can I finance bespoke moulds or tooling for injection moulding and plastics production?
A: Yes — tooling finance and staged releases tied to production milestones are commonly arranged to amortise mould costs over time.
– Q: What fees and rates should I expect for manufacturing finance?
A: Rates and fees vary by lender and depend on the product, term and credit profile, so always request a full breakdown of interest, arrangement fees, valuation costs and the total cost of credit.
– Q: Do you lend directly or give regulated financial advice?
A: No — UK Business Loans is an introducer that matches you with FCA‑regulated brokers and lenders and does not provide loans or regulated financial advice.