Invoice finance for manufacturing

Manufacturing ties up cash at every stage. You buy raw materials, run a production cycle, deliver the goods, then wait weeks or months for a distributor, wholesaler or retailer to settle. Meanwhile wages, energy and the next batch of materials all need paying. Invoice finance unlocks the money already owed to you by advancing up to 90% of an invoice within 24 hours of you raising it, turning your sales ledger into working cash rather than a waiting game.

Your customer base can actively strengthen an application. Where a bank might see slim manufacturing margins as a risk, an invoice financier looks at the creditworthiness of the businesses that owe you money. Supplying blue chip debtors such as major retailers or established distributors makes your ledger more fundable, not less, because the lender is confident those invoices will be paid. Facilities can be arranged as confidential invoice discounting so your customers continue paying you directly, or as factoring where the lender also handles collections.

Because the facility scales with your invoiced value, it is a natural fit for fulfilling a large new order or growing into a bigger supply contract, moments when costs land well before the customer pays. It also pairs well with the other tools manufacturers rely on. Asset finance covers the machines and the invoice finance covers the gap to payment, and where you import materials, trade finance can fund suppliers upfront while invoice finance releases cash at the sales end.

• Funding raw material purchases before customers pay
• Bridging 30 to 90 day distributor and retailer payment terms
• Fulfilling a large new order that lands costs upfront
• Covering wages and energy through long production cycles