Production investment and sales growth draw cash at different stages. Plan the machinery, raw materials, work in progress and receivables together.
Discuss your industry requirementSee the finance options for your industry ↓
Start with the product and the job it needs to do. Different parts of the same growth plan may need different funding structures.
Release cash from eligible trade invoices.
Materials and wages often fall due while manufacturers wait for customers to pay. A receivables facility can replenish working capital as accepted invoices are raised, supporting a larger order book.
Useful for substantial B2B debtor books. Customer concentration, acceptance clauses, credits and disputes affect available cash.
Spread the cost of a production investment.
Fund eligible CNC machines, fabrication equipment or production-line assets while retaining cash for raw materials and the ramp-up. Plan finance around delivery, commissioning and the machine’s useful life.
Identify deposits, VAT, installation and training costs. Not every project cost can be included in the asset agreement.
Fund a defined capacity or growth project.
A term loan can address expansion costs that are not tied to an eligible invoice or one machine, such as a planned operating investment with a clear budget and repayment source.
Test repayments against a slower production ramp-up. Security, guarantees and total repayment need comparing.
Explore value in machinery already owned.
An established plant base may contain value above existing settlements. Refinancing eligible equipment could release cash for a defined project while the business continues using it.
Accepted valuation, ownership and existing finance govern the possible release. New repayments and security commitments still apply.
Our main focus is £500k+ invoice facilities, £250k+ asset programmes and £200k+ business loans. These are marketing focus amounts, not fixed minimums or evidence of available capacity. Provider assessment and terms determine what can be arranged.
Supplier costs and payroll begin.
Production and customer acceptance.
Eligible debt may then support funding.
Customer payment completes the cycle.
Materials, energy, subcontract processes and payroll can fall due before finished goods leave the factory. Invoice finance normally starts with an eligible debt after the relevant supply, so it does not automatically finance the entire production cycle.
Map deposits, staged orders, dispatch, customer acceptance and invoice dates. Long production runs or qualification tests can create a cash requirement that a larger debtor facility alone will not solve.
Repeat orders from a major OEM may give a strong sales outlook while making the ledger heavily concentrated. Review customer-specific caps, credit limits, disputes, rebates and contractual rights of set-off. Quality claims or acceptance provisions may affect eligibility.
Show the effect of a slower collection or a customer reducing orders. The right working-capital structure should survive the trading pattern the business actually experiences.
Machinery funding needs supplier-stage payments, installation, commissioning and useful-life assumptions. Higher capacity can also require larger stocks and more debtor funding. A machine’s monthly payment should be tested alongside these additional commitments.
If material value sits across receivables, stock and owned plant, an ABL structure might merit specialist scoping. Do not count the same asset twice or assume book values are financeable.
Hypothetical machinery purchase
Assumed growth in invoicing
Two months at assumed 60-day collection
Hypothetical illustration only. Not a client case, quote, lender policy or funding commitment.
A hypothetical £12m-turnover engineering company plans a £900k machine and expects monthly credit sales to rise by £250k. At 60-day collection, that increase could tie up roughly £500k in additional receivables before eligibility adjustments. Machinery finance addresses the asset purchase; a debtor-funding review examines the additional working capital. Neither figure is a lender-approved requirement.
Illustrative assumptions only. Not a quote, provider policy or funding commitment.Compare machinery deposit and total payable with invoice service fees and the charge on drawings. Review existing debentures, asset title, guarantees and customer set-off before combining facilities.
Understand facility fees and costs ↗The brief enquiry does not require these documents. Agree the purpose, permissions and appropriate sharing route first.
No. The invoicing and underlying performance requirements must be met. Production cash needs separate analysis.
The requirements can be assessed together, but separate agreements, providers and security permissions may be needed.
These external sources explain product features. They do not establish an NBS agreement, current lender appetite or terms available to your business. Content reviewed 24 October 2026.
Start with a brief enquiry.
No financial documents needed to begin.
