Access to finance: Unlocking growth for manufacturing businesses

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Experts in securing commercial finance solutions through a network of pragmatic specialist lenders.

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At Navigate Commercial Finance, manufacturing is the sector we support the most. We understand that manufacturers have unique funding requirements, there’s no “one-size-fits-all” approach here!

Accessing the right financial solutions can play a pivotal role in driving growth and ensuring stability. Unfortunately, there are times where the incumbent bank can’t support your requirements due to a restricted credit appetite, but that should not be the end. On the contrary, there is a plethora of specialist lenders who offer flexible funding solutions that could support you, so we’ve highlighted a few of the most common here.

Invoice finance

Invoice finance enables manufacturers to unlock cash tied up in outstanding invoices, in some cases, we’ve arranged prepayments of up to 95%. For example, if you were to upload a £100k invoice, you could receive £95k almost instantly. Once your customer pays, the remaining 5% is released and the lender takes their fee. This solution supports working capital and smooths cash flow, making it ideal where customers are slowing paying. Invoice finance can also be used for funding growth, pay suppliers quicker to improve margins, headroom, acquisitions or share purchases.

Asset finance

If a manufacturer is planning capex, they don’t need to utilise cash reserves. Asset finance allows manufacturers to leverage machinery, equipment, or vehicles to secure funding over a 12–60 month period. It’s also possible to refinance assets with little or no finance remaining therefore unlocking cash to support working capital, growth, acquisitions, share purchases or a seasonal quiet period.

Cashflow loans

Cashflow loans provide manufacturers with a capital injection that can be repaid over 6 months to 72 months, depending on the lender and business needs. This option is useful for purchasing supplies in bulk, fulfilling large orders, making acquisitions, buy out shareholders or navigate (pun intended) seasonal slowdowns—ensuring your business has the working capital to operate smoothly.

Revolving Credit Facilities (RCFs)

An RCF provides manufacturers with flexible access to funds, allowing them to borrow, repay, and borrow again as needed—similar to an overdraft. You pay interest on the amount borrowed for the period borrowed. Suitable for businesses with fluctuating cash flow, an opportune or last-minute order, ongoing projects or simply to provide a headroom facility allowing you to sleep easier at night.

Trade finance

Trade finance is for manufacturers who receive short or no supplier credit terms. The lender steps into the transaction to pay suppliers directly – you repay the lender over an agreed period, up to 90+ days. This ensures that you keep production running smoothly, even when facing tight cash flow.

Property finance

Property finance helps manufacturers looking to purchase or refinance commercial properties like factories or warehouses. Since property finance is secured against the property itself, it often comes with more favourable interest rates compared to unsecured options—making it an attractive solution for businesses wanting to invest in property or release equity to fund acquisitions, growth or just general day to day working capital.

At Navigate Commercial Finance, we recognise the significant role the manufacturing sector plays in driving economic and social growth, that’s why we are proud partners of PP Plus. We’re eager to help even more manufacturers in 2025 and beyond, so if you want to discuss your strategic plans and funding requirements, don’t hesitate to contact the team.

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Contact

Experts in securing commercial finance solutions through a network of pragmatic specialist lenders.

+44 (0)20 3077 3499
letstalk@navigatecf.com

Partner Profile

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