FINANCE OPTIONS

Long Term Business Loans for Manufacturing and Engineering Firms

Long term business loans offer manufacturing and engineering firms the necessary capital for growth and development. These loans are designed to support extensive investments in capital equipment, infrastructure, and more, providing repayment terms that span several years. By offering the financial backbone required for substantial business developments, these loans enable firms to enhance operational capabilities.

Business loans

Secure up to £1,000,000 in Business loans with Funding Agent.

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
Apply Now
Cloud

What are the benefits of Long Term Business Loans for Manufacturing and Engineering Firms?

The primary benefits of long term business loans include growth expansion, leveraging assets, and potentially lower interest rates. Firms can secure amounts ranging from £25,000 to £1,200,000, with funds typically available within a week of approval, providing a solid foundation for expansion and development plans.

black tick in a green circle
Flexible repayment terms
black tick in a green circle
Boosts cash flow
black tick in a green circle
Supports business growth

SCALE YOUR BUSINESS TO NEW HEIGHTS

play button
cloud
200+
Providers
building
building
building
buildingbuilding

What are the different types of Long Term Business Loans for Manufacturing and Engineering Firms?

Traditional Bank Loans

Traditional bank loans are perfect for well-established manufacturing firms. They typically offer amounts from £50,000 to £500,000, with repayment terms of 36 to 120 months. To qualify, firms need a robust credit history and financial statements.

Traditional Bank Loans

For firms looking to invest in new machinery or expand production, traditional bank loans provide a stable financial solution. They offer interest rates between 3% and 10%, with decisions made within 2 to 4 weeks. These loans are ideal for large-scale manufacturing upgrades.

Asset-Backed Loans

Asset-backed loans suit businesses with valuable collateral, offering amounts from £100,000 to £1,000,000 over 60 to 180 months. This option allows firms to leverage existing assets like machinery.

Asset-Backed Loans

Leverage your firm’s existing assets to secure funding with asset-backed loans. With interest rates of 4% to 12% and approval within 1 to 3 weeks, these loans offer a swift solution for expansion and refinancing needs by using collateral to minimize lender risk.

Government-backed Loans

Government-backed loans support SMEs needing financial help, generally providing £25,000 to £1,200,000 for terms up to 180 months. They often require minimal direct intervention from traditional lenders.

Government-backed Loans

Ideal for SMEs entering new markets, these loans provide a funding range of £25,000 to £1,200,000 with interest rates from 2.5% to 9%. Government-backed initiatives assist in obtaining funding through favourable terms.

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

What is a long term business loan for manufacturing and engineering firms?

Application Process and Approval Times

Applying for a long term business loan involves submitting detailed financial records and a business plan. Initial decisions take 1 to 6 weeks, with funds available within a week post-approval, ensuring businesses can quickly capitalize on opportunities. Streamline your finance applications with expert guidance.

Borrowing Capacity and Interest Rates

All long term loans comply with stringent FCA regulations, ensuring responsible lending and transparent terms. These regulatory standards protect businesses by mandating full disclosure and rigorous creditworthiness assessments. Compliance is crucial, and we offer support to navigate these requirements.

Borrowing Capacity and Interest Rates

Borrowing capacity for long term loans depends on the business credit score, financial health, and collateral availability. Rates range from 2.5% to 12%, influenced by economic conditions, term lengths, and loan amounts. Leverage competitive rates to fund your next venture. Explore your loan options today.

Get Funding For your business

Generate offers
Cta image

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
building

Get A Clear Overview of Cost Effective Lenders

Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

How much can I borrow with a long term business loan?
How quickly can I get a decision on my loan application?
What are the interest rates for long term business loans?
What are the eligibility requirements for long term business loans?

DIVE DEEPER

June 24, 2025

What Is Asset Finance?

Learn what asset finance lending is, how it works, key benefits, stats on SME usage, and whether it's right for your UK business.
July 24, 2025

How Asset Finance Can Boost Cash Flow for Your Business

Discover how asset finance unlocks cash flow, tax perks and growth for UK SMEs. Sector-by-sector guide with links to Funding Agent’s asset-finance hubs.
August 1, 2025

Asset Finance vs Invoice Finance: Which Is Right for Your Business in 2026?

Compare asset finance and invoice finance for UK SMEs. Learn how each works, costs, benefits, and sector use cases, with Funding Agent’s calculators.

We Like To Keep Things Simple

Match with
150+
Lenders
heart
Expert helpstarstar
200+ Provider
Loans from
£1000
to
£1m

zero hidden fees

underline

Extra bits you might find useful..

Apply now