Buy materials for the next order before the last one is paid.
Materials, energy and wages go out long before a big customer pays on 60 or 90 day terms. Invoice finance releases most of each invoice as soon as the goods ship, so you can say yes to the next order.
- Funding against invoices for delivered goods
- Works with long terms from large customers
- Export invoices funded by some providers
The bigger the customer, the longer you wait.
Invoice finance means you’re paid most of it now, whatever their terms.
Funding grows with your invoices, so bigger orders come with bigger funding.
Releasing cash from your invoices covers rising costs without a new loan.
How invoice finance works for manufacturing and engineering
Make and deliver
Invoice once the goods have shipped.
Share the invoice
One at a time, or connect your whole sales ledger.
Cash within days
Typically 75 to 90% of the invoice value.
Customer pays
You get the balance, minus fees.
What’s different about funding a manufacturer
Delivered goods only
Funders lend against goods that have been delivered and accepted, not orders still on the factory floor.
Stage payments
Invoices for part-finished work or milestones are harder to fund. Tell your specialist how you bill.
Large customers
Big-name customers on long terms are often a plus, because funders see them as reliable payers.
Exports
Some funders cover overseas customers too, sometimes with credit insurance.
Is invoice finance right for your business?
Usually a good fit
- Manufacturing, fabrication, precision engineering or processing
- Selling to businesses on 30 to 120 day terms
- Clear delivery records
- Limited company or LLP
Harder to fund
- Mostly bespoke work billed in stages
- Selling direct to consumers
- Frequent returns or quality disputes
Not sure? That's what the call is for. If it isn't the right fit, your specialist will tell you and suggest what might work instead.
What happens after you enquire
Two minutes online
A few questions. We find your company on Companies House as you type.
A text from us
Straight away, with the name of the specialist who'll call you.
A short call
Usually within a working day. About 15 minutes on how your business trades.
Options in plain English
What is available, the full cost in pounds, and what they would need.
You decide
No obligation. Saying "not right now" is fine.
Questions from manufacturing and engineering businesses
Some funders fund export invoices, often with credit insurance. Mention your export split on the call.
Get paid for work you’ve already done.
Two minutes. Free. No hard credit check. One specialist, not ten calls.