Who We Work With
Manufacturing.
Finance for manufacturers — funding the plant, the premises and the working capital that turns raw materials into finished goods.
Overview
How we work with the sector.
Manufacturing is capital-intensive at both ends of the line. There's the plant — production machinery, the premises it sits in, the equipment that scales capacity — and there's the working capital tied up in the production cycle itself, the gap between buying raw materials and getting paid for finished goods. We work with manufacturers across light and heavy industry, from established businesses to firms investing to lift capacity. The sector is distinct in that a single manufacturer often needs several loans working together: equipment finance secured against the machinery, a commercial mortgage on the premises, and a working capital line or debtor finance carrying the production cycle. Specialised production machinery also needs a lender that understands the equipment and how it holds value. We arrange the whole package — taking each piece to the lender that prices it best — so the finance supports the production line rather than constraining it.
Sector Snapshot
- Typical Loan Size
- $50K — $20M+
- Common Products
- Equipment finance, commercial mortgages, debtor finance
- Settlement Window
- 2 — 6 weeks
- Finance Mix
- Often multi-product
Common Scenarios
What we finance most often.
01 / 03
Plant & equipment finance
Funding production machinery, processing plant and specialised equipment — secured against the asset, taken to lenders who understand it.
02 / 03
Premises acquisition & expansion
Buying or expanding the factory, warehouse or industrial premises the operation runs from, as an owner-occupier rather than a tenant.
03 / 03
Production working capital
Carrying the gap between buying raw materials and getting paid for finished goods — through a working capital line or debtor finance.
Finance Products
Products most relevant to manufacturing.
FAQ
Manufacturing finance — questions answered.
Yes — that is the core of equipment finance for the sector. The key is matching the machinery to a lender that genuinely understands it and prices it on its real useful life, rather than one applying a generic policy.
It depends on your position, but owning the premises moves rent onto the balance sheet as an asset and locks in occupancy. A commercial mortgage funds the purchase — we structure it for an owner-occupier and place it with the right lender.
A working capital line or invoice and debtor finance carries the gap between paying for raw materials and getting paid for finished goods. Debtor finance scales with sales, which suits a manufacturer growing faster than a fixed limit allows.
Yes, and for manufacturers that is often the right answer — equipment finance, a commercial mortgage and a working capital facility working alongside each other. We structure the whole stack so the pieces complement rather than compete.
Yes. Expansion finance can fund additional plant, a larger premises or both. The structure depends on the security available and what the production numbers support — we give you a straight read before you commit.
Ready?
Let's structure your next manufacturing deal.
One short application puts your deal in front of the lenders most likely to fund it. No obligation, no cost to find out where you stand.