Financial Solutions

As a reputable Credit Broker based in Humberside, we are dedicated to sourcing lending options that align with your business's financial goals.

Working Capital Loans for Manufacturers

In manufacturing, keeping production running smoothly means having enough cash to cover day-to-day operations, even when income is delayed by long payment terms or seasonal demand. Working capital loans provide fast access to funds so you can manage cash flow and keep your business moving.

How they help manufacturers:

  • Cover Supplier Costs: Pay for raw materials, components, and inventory without waiting for customer payments.

  • Manage Seasonal Fluctuations: Maintain steady operations during quieter periods.

  • Fund Large Orders: Take on new contracts without overstretching existing resources.

  • Bridge Payment Gaps: Smooth out cash flow between invoicing and payment.

  • Support Growth: Invest in marketing, staffing, or process improvements while maintaining production.

Why choose a working capital loan?

  • Quick approval and access to funds

  • Flexible repayment options

  • Keeps your business agile in response to demand changes

With access to over 200 lenders, we match you with the right working capital solution, so you can focus on delivering orders, meeting deadlines, and growing your manufacturing business.

Equipment & Machinery Finance

In manufacturing, the right equipment can transform productivity  but buying it outright can tie up valuable cash. Asset finance lets you spread the cost of machinery and equipment over time, keeping funds free for other priorities like staffing, raw materials, and growth projects.

Typical manufacturing assets we can finance or refinance:

  • Precision Machinery: CNC machines, laser cutters, lathes, milling machines

  • Production Equipment: Injection moulding machines, press brakes, stamping presses

  • Assembly Line Upgrades: Conveyor systems, robotic arms, automated packaging machines

  • Specialist Tools & Equipment: Industrial welders, compressors, 3D printers

  • Supporting Assets: Forklifts, pallet trucks, warehouse racking systems

Whether you’re investing in brand-new machinery or releasing cash tied up in existing assets, asset finance provides a flexible, cost-effective way to keep your production line and your business moving forward.

Invoice Financing

In manufacturing, long payment terms can slow down your cash flow, even when business is booming. Invoice finance unlocks the money tied up in unpaid invoices, so you can keep production moving without waiting for customers to pay.

How it works:
You sell your outstanding invoices to a finance provider and receive most of their value upfront. When your customer pays, you settle with the provider, along with a small fee.

Why manufacturers use it:

  • Cover raw material and supplier costs

  • Pay staff and overheads on time

  • Restock inventory quickly

  • Fund new orders and growth opportunities

With invoice finance, you turn sales on paper into cash in hand giving you the working capital to keep your business running smoothly and ready to grow.

 

Trade Finance

Selling to customers overseas can open huge opportunities for manufacturers, but long payment terms, shipping times, and unfamiliar regulations can put pressure on cash flow. Export and trade finance bridges that gap, giving you the working capital and protection you need to trade confidently across borders.

How it supports manufacturers:

  • Fund Large Orders: Access upfront finance to cover raw materials, production costs, and shipping before you get paid.

  • Protect Against Non-Payment: Use facilities like Letters of Credit to ensure you receive payment once goods are shipped or documents are presented.

  • Smooth Cash Flow: Release funds tied up in international receivables, so overseas sales don’t strain your working capital.

  • Manage Currency Risk: Work with facilities that help protect margins from exchange rate fluctuations.

Common trade finance tools include:

  • Letters of Credit (LCs): A guarantee from the buyer’s bank that you’ll be paid once agreed conditions are met reducing the risk of non-payment.

  • Export Invoice Finance: Unlock cash tied in overseas invoices, just like domestic invoice finance.

  • Purchase Order (PO) Finance: Funding to fulfil confirmed export orders, even if you don’t have the upfront capital.

  • Import Finance: If sourcing components from abroad, finance the purchase until goods arrive and are sold.

With trade finance, you can take on larger orders, enter new markets, and expand your customer base internationally without putting your cash flow or balance sheet under unnecessary strain.

Expansion & Growth Loans

A commercial mortgage is a long-term financing solution that helps your business purchase, refinance, or expand into new premises while keeping your working capital free for other priorities.

For manufacturers, this can mean:

  • Factory & Production Facilities: Secure the premises you need to scale production.

  • Warehousing & Distribution Centres: Expand storage capacity to support growth.

  • Refinancing Existing Property: Release equity tied up in owned premises to reinvest in machinery, staff, or raw materials.

  • Mixed-Use & Specialist Premises: Fund sites with office, manufacturing, and storage space under one roof.

Why it works for manufacturing businesses:

  • Spread the cost over several years, keeping monthly payments manageable.

  • Benefit from potential property value appreciation.

  • Build long-term stability by owning rather than leasing your business premises.

With access to over 200 lenders, we source commercial mortgages tailored to your sector, your goals, and your growth plans so your property investment works hand-in-hand with your manufacturing operations.

Bridging Finance for Manufacturers

When timing is everything, bridge loans give your business fast access to capital keeping you moving while you wait for longer-term funding or incoming revenue.

When a bridge loan can help:

  • Smooth Cash Flow: Cover gaps while waiting for customer payments or seasonal income.

  • Meet Tax & VAT Deadlines: Pay HMRC on time without draining your working capital.

  • Property Deals: Secure new premises or investments before selling existing assets.

  • Act on Opportunities: Move quickly on projects or deals that can’t wait.

  • Handle Emergencies: Fund urgent repairs or unexpected costs without disrupting operations.

With fast approval, flexible terms, and a wide range of uses, bridge loans keep your business agile, ready to seize opportunities and tackle challenges head-on.

Ready to take the next step?

From machinery upgrades to working capital, we find the funding your manufacturing business needs to grow.