Manufacturing Funding
Funding for manufacturers to invest, grow and manage cashflow
Managing cashflow in a high-cost manufacturing environment
We understand that navigating today's markets as a manufacturing business can be difficult. Whether you’re purchasing raw materials and components, investing in machinery and equipment or paying staff wages, success often depends on having the confidence and financial headroom to move at pace.
We provide Invoice Finance to businesses operating in the manufacturing sector, as it is a flexible finance solution that helps you smooth out cashflow. It helps you to bridge the gap between invoicing and payment, and plan ahead with greater certainty, leaving you free to focus on opportunities for growth and investment, not cashflow pressure.
Watch how BFS supported the last historic fine bone china manufacturer in the UK or click below to get in touch and see how we can help your business
Managing cashflow in a challenging manufacturing market
Manufacturing business operations are shaped by ongoing cashflow pressure. Our latest SME Confidence Tracker1 shows 68% of UK manufacturing SMEs reported increased cashflow pressure over the last 12 months, with 48% saying late payments have affected their ability to pay staff salaries. Our Invoice Finance solutions can help to improve cashflow in high cost environments, especially those from fixed price contracts, where costs are harder to pass on.
1Source: Bibby Financial Services, SME Confidence Tracker Q1 2026, survey of 1000 UK SMEs, conducted March 2026.
Reducing risk across the manufacturing supply chain
Our 2026 Trading Places report2 shows that 71% of manufacturers have been affected by recent global conflict, with the average foreign exchange-related losses amongst manufacturers reaching £63,719. Our Foreign Exchange solutions can help to mitigate the impact of currency volatility, helping manufacturing businesses trade at the right time or lock in an exchange rate for a future date.
With over a third of manufacturers (36%) reporting experiencing bad debt in the last year, you can also protect your business from the impact of these situations with Bad Debt Protection, allowing you to operate without worrying about non paying customers.
2Source: Bibby Financial Services, 2026 Trading Places Report, survey of >500 UK SMEs, conducted April-May 2026.
What our manufacturing clients say
We support manufacturing clients across multiple different areas from textiles and apparel to china and steel products
Eyeworks Industries
“BFS’s expertise and quality service have been a great asset to my business. They truly understand the business model and what we are working towards achieving in the near future. Having Bad Debt Protection in place additionally gives us peace of mind in the eventuality of debtor non-payment. We couldn’t achieve our level of growth without them.”
Capital Cooling Refrigeration Ltd
“This new facility will play an integral part in our plans for expansion as it will free up working capital to invest in our people, products and processes. We have been impressed by how quickly BFS were able to structure a funding package that suited our needs. We’re thrilled to partner with the team and look forward to driving the business forwards.”
R&W Scott
"This management buyout provides a strong platform from which we can really accelerate our growth plans and thrive as an autonomous business. Invoice Finance and Asset Finance will aid our growth significantly and provides the working capital we need to grow."
Explore our finance solutions for manufacturers
Through Bibby Financial Services’ Invoice Finance, manufacturers can manage the funding gap created as cash moves from raw materials into work in progress, finished goods and delivered orders before an invoice is raised and paid. Releasing cash from unpaid invoices can replenish the working capital already committed to production, helping fund the next order, pay suppliers and wages, and keep production schedules moving.
Our Asset Finance solutions can help manufacturers invest in the machinery, vehicles, equipment and technology needed throughout the production cycle without using the working capital required for materials, labour and other operating costs. Spreading the cost of essential assets can help businesses increase capacity, remove production bottlenecks and fulfil new orders while protecting cashflow during the period between initial expenditure and customer payment.
Why choose funding from Bibby Financial Services
- One of the UK’s largest independent SME funders
- Over 40 years’ experience supporting manufacturing businesses
- Bridge the cashflow gap between invoicing and receiving customer payment
- Ensure you can meet your financial commitments through fixed-price contract pressures
- Better manage cashflow during WIP/production cycles
- Fund machinery and automation without draining working capital
- Mitigate international supply-chain and FX exposure