Invoice Finance for Manufacturers — InvoiceWise
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Invoice Finance for Manufacturers

Turn unpaid production invoices into working capital, so a slow-paying customer never holds your factory floor back.

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95%
approval rate
£50M+
funded to UK businesses
48h
average payout time
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The Cashflow Challenge for UK Manufacturers

If you run a manufacturing business, you know exactly when the stress hits. Your biggest customer has just agreed to 60 or 90-day payment terms, but your supplier is demanding payment in two weeks. Meanwhile, your production schedule and payroll won't wait.

That gap kills growth. You might turn down larger orders because you can't fund the production run. Invoice finance for manufacturers fixes this exact cash flow crunch. It lets you pull cash from your unpaid invoices instantly.

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Compare a Range of Invoice Finance Providers for Manufacturers

SBF Business Finance Kriya Royal Bank of Scotland Aldermore Bibby Financial Services

Nobody has time to ring up five different banks and fill out mountains of paperwork. InvoiceWise strips that hassle away. We help UK manufacturers businesses compare the best available funding options through one simple enquiry.

If you're curious about how we fund other sectors, take a look at our main invoice finance page, or contact us directly.

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What Is Invoice Finance for Manufacturers?

Think of it as an early advance on your hard-earned invoices. Instead of twiddling your thumbs for 60 days waiting for a customer to pay, a lender steps in and advances you the bulk of the cash right away.

You use that money to fund materials, supplier payments, and payroll. Once the customer pays the invoice, the lender clears the balance and sends you the remaining amount, minus a small fee.

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The Benefits of Invoice Finance for Manufacturing Companies

Fast Cash Access

Unlock the working capital you need in as little as 24 hours. No waiting around for complicated loan approvals.

Growth Support

Don't let cash flow challenges limit your success. Continue growing without waiting 30-90 days for unrecognised revenue.

Smooth Operations

Cut the stress out of complicated administrative processes. Simply plug your cash flow gaps and focus on what's important.

Less Debt

Traditional loans can bleed companies dry with high interest rates. Invoice finance avoids this.

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Who Is Invoice Finance For in Manufacturing?

Contract and Component Manufacturers

Businesses making parts or products for larger companies feel the cash flow squeeze the hardest. You're paying suppliers and labour upfront, but customers take 60+ days to settle.

Metal Fabricators and Engineering Firms

Fabricators working on bespoke projects or supplying into construction and automotive face similar pressures. Invoice finance keeps your supply chain secure.

Food and Beverage Manufacturers

Producers supplying supermarkets and wholesalers deal with notoriously long payment terms. Invoice finance bridges that gap so you can fund production runs and maintain inventory.

Manufacturers with Mixed Customers

Whether you're selling to large corporates, smaller distributors, or a mix of both, the right funding setup adapts to your specific payment profile.

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Invoice Factoring or Invoice Discounting?

Invoice factoring means the lender takes over your credit control and collections, handling chasing late payments. Your customers know a lender is involved.

Discounting is totally different. You keep complete control over your sales ledger, and your customers never even know a lender is involved in the background.

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How Much Can Manufacturers Raise Through Invoice Finance?

Your borrowing limit depends heavily on who you're billing. If your customers are solid, reliable businesses, you'll get great terms. Most partners let you access up to 80–90% of an unpaid invoice instantly. Because it's tied to your sales, there's no hard ceiling, unlike with a standard bank loan.

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How Much Does Invoice Finance for Manufacturers Cost?

Invoice finance typically includes a service fee, often between 0.5% and 5%, depending on risk and structure. If you choose to discount instead of factoring, you avoid collection fees because you're still responsible for collecting payments yourself.

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Types of Invoice Finance for Manufacturers

Whole-Ledger Financing

You put your entire sales ledger through the facility. This delivers maximum cash flow and suits manufacturers scaling production.

Selective Invoice Finance

Maybe you only have one or two notoriously slow-paying customers. Selective funding lets you pick out specific invoices to advance.

Confidential Invoice Discounting

Perfect for manufacturers that want to keep things under wraps. Total privacy.

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Am I Eligible for Manufacturing Invoice Finance?

Credit terms: you'll need invoices with clear payment terms that guarantee repayment within 30-120 days.
Invoice status: you can only factor unpaid invoices for which the service has already been completed.
Business model: B2B companies are usually preferred.
Credit history: lenders want to know they stand a good chance of receiving payment from your debtors.
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Common Misunderstandings About Manufacturing Invoice Finance

"Invoice finance costs a lot."

Our providers offer rates as low as 0.05% — much lower than most traditional loans. Fees scale with the amount you're borrowing.

"It means you're struggling."

Many manufacturing companies, including ones with turnovers over £1m, use invoice finance. It's a convenient, scalable way to cover costs and grow without becoming heavily indebted.

"It ruins your public image."

With confidential invoice finance, your customer doesn't know you're borrowing.

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Choosing the Right Manufacturing Invoice Finance Lender

Experience & reputation

Look for lenders with experience in the manufacturing industry and who other manufacturers place their trust.

Rates & fees

Stay on budget and assess each lender's fees and interest rates so you know exactly what you're signing up for.

Security protocols

Make sure your lender is FCA-approved and follows strict encryption and data protection protocols.

Keeping Your Data Safe and Secure

FCA oversight: the Financial Conduct Authority oversees every lender in our network.
GDPR compliance: we abide by all GDPR standards and regulations.
Security technology: every interaction is backed by state-of-the-art encryption and data protection technology.
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Top-Rated UK Manufacturers Invoice Finance Providers

SBF Business Finance Kriya Royal Bank of Scotland Aldermore Bibby Financial Services

Why Manufacturers Choose InvoiceWise

Safety

Know your data is 100% secure every step of the way.

Fast Funding

Access essential funding to keep your company healthy in as little as 24 hours.

Low Rates

You won't find rates this competitive anywhere else.

Multiple Providers

Find an incredible invoice finance offer from a lender with excellent reviews and extensive experience in manufacturing.

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Compare the Best Manufacturers Invoice Finance Offers Now!

STEP 1

Apply Online

Fill out a brief questionnaire about your business and your current funding needs.

STEP 2

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Evaluate a selection of customised offers generated by leading UK lenders.

STEP 3

Receive Your Payment

Once your chosen provider finalises your account, they'll promptly transfer your capital.

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Manufacturing Invoice Finance FAQs

Can startups or young manufacturers use invoice finance?
Absolutely. Because the lender focuses on your customers' credit ratings rather than your own, it's highly accessible to younger businesses with solid B2B contracts.
Will my customers know I'm using invoice finance?
Only if you choose a factoring setup where the lender handles collections. If you go with confidential discounting, the arrangement stays completely hidden.
How does invoice finance help with long payment terms?
That's the number one reason manufacturers use it — it bridges the gap between when you need to pay suppliers and your customers' sluggish 60-90 day payment terms.
How quickly will I get the money?
Once your account is live and you submit a verified invoice, the money often hits your bank account within 24 hours.
Can I finance only some of my invoices?
Yes. Selective invoice finance lets you choose exactly which invoices you want to advance.

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