FINANCE OPTIONS

^£800k Manufacturing Business Loan – Apply Now

Q: How much could I borrow with a £800k manufacturing secured term loan?

Typical secured term loan borrowing targets can start from £100,000 up to £5,000,000 for eligible cases. Lenders often consider factors like the value and type of security, trading performance and cashflow coverage, existing debt levels, and how your capex plan links to repayments.

Q: How quickly can a lender make an initial decision?

Initial decisions are often within 1–5 weeks after full document receipt. For property-secured cases and £800k+ requests, timelines can take longer due to security-related underwriting and the steps required before final drawdown.

Q: What interest rate range should manufacturing SMEs expect?

For secured SME term loans, typical market pricing is often in the ~6%–12% per annum range. Property-secured cases may sit toward the lower end, while longer terms, higher leverage, and different security quality can move pricing within the range.

Q: Which secured term loan types are common for manufacturing £800k requests?

Common routes include an asset-secured term loan, a property (or mixed) secured term loan, and a debenture over assets (fixed & floating) term loan. The right fit depends on what security you can offer, your trading track record, and how lenders view affordability for the capex you plan.

A £800k manufacturing business loan is often structured as a senior secured term loan, meaning you receive a lump sum and repay it in scheduled instalments over an agreed term. Many manufacturing SMEs use this type of finance to fund capex and capacity upgrades such as new equipment, production lines, or factory refurbishment. Because lenders typically take security over assets and assess affordability using cashflow and stability, a secured term loan can be a practical route when you have a credible repayment plan and suitable collateral to support the amount.

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^Benefits of a senior secured term loan for £800k

For manufacturing borrowers targeting around £800k, a senior secured term loan is designed to match a fixed purpose investment with a planned repayment profile. Lenders typically assess affordability and security, so the value and quality of what you can secure can be central to what you are offered. Typical SME market pricing is often in the ~6% to 12% per annum range, with decision times commonly starting from 1–3 weeks after full documents are received.

Predictable instalments for capex

Higher borrowing with security

Fund equipment in one draw

SCALE YOUR BUSINESS TO NEW HEIGHTS

Common types for £800k secured term loans

Asset-secured term loan

An asset-secured term loan targets manufacturing SMEs able to evidence sufficient cashflow coverage and provide security over assets such as equipment and machinery. It is typically suited to established businesses with clear accounts and bank statements.

Asset-secured term loan

For an asset-secured term loan, the lender will usually look for a lender-ready pack with accountant-prepared accounts and business and bank statements. You will typically explain how the capex links to stable trading performance, and you should expect underwriting that considers repayment affordability alongside the value and quality of the assets being secured. Typical targets can range from £100k to £2m for asset finance for manufacturing SMEs, with terms often around 24 to 84 months depending on asset life.

Property (or mixed) secured term loan

A property (or mixed) secured term loan is aimed at SMEs that can offer property security, sometimes combined with equipment. It usually supports longer repayment profiles for factory or workshop investment.

Property (or mixed) secured term loan

Where you can offer property security, lenders typically expect stronger balance sheet evidence and clear affordability. Common documentation includes company accounts, management information if recent, bank statements, and details of existing borrowing. If approved, completion may involve conveyancing or charge registration steps, which can affect the timing of final drawdown. Typical request bands can be £250k to £5m, and terms may often run from 60 to 300 months depending on lender amortisation approach.

Debenture over assets (fixed and floating) term loan

A debenture-backed term loan uses a fixed and floating charge style structure over business assets. It can suit manufacturers with a strong base of equipment, receivables, and stock that support lending decisions.

Debenture over assets (fixed and floating) term loan

With a debenture over assets (fixed and floating) term loan, the lender will typically review forecast cashflow, leverage, and coverage. Manufacturing businesses with reliable order pipelines and identifiable asset bases can be considered, noting that existing secured creditors and intercreditor arrangements can influence what is available. Typical borrowing ranges can be £150k to £3m+, with terms commonly around 36 to 96 months. Decision times are often 2 to 5 weeks after full documents due to underwriting and security structuring, and the structure can be explained through a debenture overview.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How Funding Agent helps you reach completion

Tell us your loan purpose

Share what the £800k is for, how quickly funds are needed, and what security you can offer, such as machinery and or property. This sets the basis for how the lender-ready case will be framed.

We build your lender pack

Funding Agent compiles a clear submission with accounts and business banking information, details of existing borrowing, and a cashflow story aligned to secured lending criteria, so lenders can review feasibility more efficiently.

We shortlist and progress

We shortlist suitable secured term-loan routes, support responses to lender questions on affordability and security, and help drive the process through to completion and drawdown. For larger amounts, expect more detailed underwriting.