Best Invoice Financing Lenders for the Manufacturing Industry
For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-23.
Funding Agent specialises in helping UK SMEs explore a variety of business finance options through a simplified application process. It suits businesses prioritising speed and straightforward eligibility assessment without needing collateral. Their platform offers flexible loan options with brokered access to multiple providers.
Loan Details
- Min Amount: £10,000
- Max Amount: £1,000,000
- Min APR: 4%
- Max APR: 20%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Unsecured business loans, MCA Loans, Working capital
- Industries: UK SME's
Pros
- fastest and easiest application process
- No collateral required
Cons
- lower track record, only trading 1 year
Touch Financial acts as a brokerage connecting UK businesses with a variety of finance solutions. It is suitable for SMEs seeking tailored options via a broad lender network. The platform emphasises flexible offers with varying lender terms and collateral requirements.
Loan Details
- Min Amount: £10,000
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Unknown ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Loans
- Industries: Various sectors
Pros
- Excellent lender network
- Tailored financial solutions
Cons
- APR details not readily available
Clifton Private Finance provides tailored financial solutions for SMEs, with a focus on bespoke loan arrangements. It suits entities needing flexible funding against property or invoice finance, typically favouring larger loan amounts. Funding is designed with priority on speed and customization without strict collateral limits.
Loan Details
- Min Amount: £50,000
- Max Amount: £25,000,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Fast funding ⌛
Services & Industries
- Finance Types: Invoice Financing, Property Finance
- Industries: Real Estate, Manufacturing
Pros
- Bespoke financial solutions
- High loan limits
Cons
- Higher amounts required for loans
Novuna offers a wide range of financial products aimed at business cash flow and growth needs. It suits SMEs looking for diverse options with moderate loan sizes and financing flexibility. Their services accommodate different repayment structures and are available across multiple sectors.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 10.8%
- Max APR: 24.9%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Invoice Financing, Asset Finance
- Industries: Construction, Retail
Pros
- Strong market presence
- Diverse finance options
Cons
- Higher APR on some products
Alliance Commercial Finance functions as a broker, specialising in invoice finance and factoring solutions designed to boost cash flow. It is ideal for SMEs requiring flexible access to multiple financing options, especially in manufacturing and transport sectors. Their approach emphasises ease of access and varied repayment arrangements.
Loan Details
- Min Amount: £5,000
- Max Amount: £500,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: 3–60 months ⌛
Services & Industries
- Finance Types: Invoice Financing, Factoring
- Industries: Manufacturing, Transport
Pros
- Flexible financing solutions
- Good for SMEs
Cons
- Limited information on APR
Sme Invoice Finance focuses on customised invoice finance solutions for small and medium businesses across the UK. It suits companies within manufacturing and engineering looking for sector-specific funding. Their offerings highlight high advance rates and are adaptable to individual agreements.
Loan Details
- Min Amount: £0
- Max Amount: £0
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Varies by agreement ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Loans
- Industries: Manufacturing, Engineering
Pros
- High advance rates
- Sector-focused solutions
Cons
- Specific sector focus limits clientele
Magna Money delivers bespoke funding solutions with a focus on invoice and asset finance. It is suited to manufacturing and professional services seeking collaborative and flexible financial arrangements. Their approach includes competitive rates and adaptable terms but limited APR transparency.
Loan Details
- Min Amount: £10,000
- Max Amount: £200,000
- Min APR: 0%
- Max APR: 0%
- Loan Duration: Flexible terms ⌛
Services & Industries
- Finance Types: Invoice Financing, Asset Finance
- Industries: Manufacturing, Professional Services
Pros
- Collaborative approach
- Competitive rates
Bibby Financial Services is a global finance provider with offerings in invoice financing and asset-based lending. It fits businesses in manufacturing and logistics requiring diverse financing products and broad sector coverage. Their solutions typically offer varying repayment methods and funding structures.
Loan Details
- Min Amount: £5,000
- Max Amount: £5,000,000
- Min APR: 3%
- Max APR: 12%
- Loan Duration: 1–36 months ⌛
Services & Industries
- Finance Types: Invoice Financing, Asset Finance
- Industries: Manufacturing, Logistics
Pros
- Global presence
- Diverse financial products
Cons
- Some restrictions based on industry
Lloyds Bank Invoice Finance delivers established invoice financing solutions designed to improve liquidity and efficiency. It suits manufacturing and wholesale sectors that prioritise strong financial backing and regulated banking services. The provider offers structured repayment options with variable collateral and advance rates.
Loan Details
- Min Amount: £10,000
- Max Amount: £1,000,000
- Min APR: 2.9%
- Max APR: 22.5%
- Loan Duration: 6–36 months ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Overdrafts
- Industries: Manufacturing, Wholesale
Pros
- Strong financial backing
- Established institution
Cons
- Longer application process
Time Finance specialises in flexible invoice finance solutions tailored to UK businesses managing cash flow and continuity. It suits manufacturing and construction companies seeking adaptable funding terms and quick capital access. The provider balances convenience with varying APRs depending on loan size and duration.
Loan Details
- Min Amount: £10,000
- Max Amount: £500,000
- Min APR: 3.5%
- Max APR: 15%
- Loan Duration: 6–24 months ⌛
Services & Industries
- Finance Types: Invoice Financing, Business Loans
- Industries: Manufacturing, Construction
Pros
- Quick access to funds
- Flexible terms
Cons
- Higher APR on smaller loans
How to choose
When choosing invoice financing for the manufacturing sector, it is important to consider the size and duration of loans that match your operational cash flow needs. Evaluate providers based on their flexibility, including repayment options and collateral requirements. Look for lenders or brokers offering transparent fees and lending criteria tailored to manufacturing businesses. Speed of funding may be critical, but balance this against loan terms and APR ranges. Also, assess whether the provider specialises in your industry to ensure suitable support. Finally, confirm all contract details and lender policies before committing.
Conclusion
The best invoice finance option depends on the specific requirements of your business, including loan size, speed, and security needs. Traditional banks offer robust, regulated services suited for borrowers needing structured financing. Brokers and specialist lenders, like Funding Agent, facilitate access to a wider range of products with potentially faster processes. For larger or niche financing, specialty providers with sector expertise are more appropriate. Match your needs carefully to the type of provider to ensure the most suitable lending solution.
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