Invoice Finance for Manufacturing
Release instant cash from unpaid invoices
- Receive up to 95% of invoice value
- Sell single or multiple invoices
- Fast, stress-free funding in 24 hours
Quick Decision with No Obligation
Release instant cash from unpaid invoices
Quick Decision with No Obligation
Manufacturing invoice finance is a funding solution that helps manufacturers unlock cash tied up in unpaid customer invoices. It is used by businesses across a wide range of sectors, including automotive, engineering, metal fabrication and food production, allowing them to access funds without waiting weeks or months for customers to pay.
Manufacturers can access up to 95% of an invoice’s value, often within 24 hours of approval, giving them faster access to working capital. This can help cover production costs, purchase raw materials, pay suppliers on time and support growth opportunities, with funding that can increase alongside your sales.
Manufacturers often face a challenging cash flow cycle, with materials, labour and production costs needing to be paid before customer invoices are settled. While products may be completed and delivered, customers can take 30, 60 or even 120 days to pay. This gap between production costs and customer payments can put pressure on working capital and restrict growth.
Late payments are a significant challenge for UK businesses. Recent data shows that nearly half of all SME invoices (49%) are now paid late, with businesses waiting an average of 27 days past terms to be paid. For manufacturers, who typically carry high upfront costs for materials and labour, this delay can create additional pressure when managing rising material costs, supplier payments and ongoing production demands.
Invoice finance can help manufacturers overcome these cash flow challenges by releasing funds tied up in unpaid invoices. This gives businesses greater control over their finances, helping them keep production moving, meet commitments and take advantage of new opportunities.
Did you know? The UK is one of the world's leading manufacturing nations, ranking 11th globally and generating approximately $279 billion in manufacturing output, according to Make UK.
Manufacturers can choose from different types of invoice finance depending on their cash flow requirements, customer relationships and how much control they want to retain over credit management.
Invoice discounting allows manufacturers to access funds tied up in unpaid invoices while keeping control of their customer relationships and credit control processes. It is often used by established businesses that have reliable systems in place and want a confidential funding solution.
Invoice factoring provides manufacturers with an advance against unpaid invoices, with the finance provider typically managing credit control and collecting customer payments. This can be useful for businesses that want to spend less time chasing invoices and more time focusing on production and growth.
Selective invoice finance allows manufacturers to choose which invoices they want to fund rather than committing their entire sales ledger. This flexible option can be useful when waiting for payment from a large customer, managing a major order or covering a short-term cash flow gap.
Invoice finance is suitable for manufacturing businesses of all sizes, from startups and growing SMEs to established manufacturers. It can support companies across a wide range of sectors that sell to other businesses on credit terms and need faster access to working capital.
We can help a wide range of manufacturing businesses, including:
Manufacturing invoice finance helps businesses access cash tied up in unpaid customer invoices, reducing the impact of long payment terms. Instead of waiting 30, 60 or 90 days to be paid, manufacturers can release funds from approved invoices to support day-to-day operations, purchase materials and keep production moving.
Submit eligible invoices to the finance provider for assessment once they have been raised.
Get up to 95% of the invoice value upfront within 24 hours of submitting your invoices.
Your customer pays the invoice as normal, with credit control either managed by the provider or kept in-house. Once payment is received, the remaining balance is released (less any agreed fees).
Costs typically include a service fee and a discount fee similar to interest, charged on funds drawn. The exact rate depends on your turnover, sector risk and facility size, so most providers offer a tailored quote rather than a fixed price.
Many manufacturers may qualify if they invoice other businesses on credit terms (B2B rather than B2C) and have unpaid customer invoices. UK limited companies, sole traders and partnerships can apply, with lenders typically considering factors such as turnover, trading history and customer payment records. Both start-ups and established manufacturers may be eligible.
With invoice discounting, funding is confidential and customers continue paying you directly, unaware a third party is involved. With invoice factoring, the finance provider manages credit control and collects payment on your behalf, so customers will be aware of the arrangement.
Contract terms vary by lender, typically ranging from rolling monthly agreements to 12-month terms. Selective invoice finance offers the most flexibility, letting manufacturers fund individual invoices without committing to their whole sales ledger or a long-term contract.
From engineering firms and metal fabricators to food producers and industrial manufacturers, we help UK businesses find invoice finance solutions that match their needs. Our platform connects you with trusted invoice finance providers who understand the challenges manufacturers face, from managing supplier payments to maintaining cash flow during growth.
As members of the National Association of Commercial Finance Brokers (NACFB) and the Federation of Small Businesses (FSB), we’re committed to supporting UK businesses with a transparent and trusted approach to finding finance.
Applying takes just 60 seconds and there’s no obligation to proceed. Start your application today to compare invoice finance options for your manufacturing business.
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Since 2014, we've helped many businesses, large and small, get access to the working capital they need through invoice financing.
Some of the funders we work with
