Top 10 Manufacturing Invoice Finance Providers in the UK 2026
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Top 10 Manufacturing Invoice Finance Providers
| Rank | Lender | Best for | Published loan range | Loan rate |
|---|---|---|---|---|
| 1 | Treyd | Mid-sized manufacturers managing extended supplier payment cycles | £15,000 to £1,000,000 | interest 1.4% to 2.5% monthly |
| 2 | Waylog | Established manufacturers with turnover above £1 million | £15,000 to £500,000 | interest 1.5% to 2.5% monthly |
| 3 | Finance for enterprise | Manufacturers of all sizes seeking flexible facility limits | £1,000 to £2,000,000 | interest 6.5% to 13.5% annually |
| 4 | eCapital | Smaller manufacturing firms with modest turnover levels | Up to £500,000 | interest 7% to 14.5% annually |
| 5 | PennyFreedom | Manufacturers prioritising rapid access to working capital | Up to £500,000 | interest 7.5% to 15% annually |
| 6 | WeDo Business Finance | Large-scale manufacturers needing substantial funding lines | Up to £25,000,000 | interest 3.5% to 9.5% monthly |
| 7 | Time Finance | Growing manufacturers scaling production and order volumes | Up to £5,000,000 | interest 5.5% to 13.5% annually |
| 8 | NatWest Bank | Manufacturers preferring a high-street banking relationship | £500 to £10,000,000 | interest 4.5% to 10.5% annually |
| 9 | Metro Bank | Included for comparison; manufacturers seeking bank-backed facilities | £2,000 to £25,000,000 | interest 9.6% to 9.6% annually |
| 10 | 4syte | Startup manufacturers with no minimum trading history required | £26,000 to £3,000,000 | interest 3% to 9.5% monthly |
Invoice finance lets businesses unlock cash tied up in unpaid invoices. For UK manufacturers, this type of funding addresses a sector-specific challenge: long B2B payment terms of 30 to 90 days create cash flow gaps that can delay raw material purchases and disrupt production cycles. Rather than waiting for customers to pay, manufacturers can access up to 90% of invoice value within days, keeping supply chains moving and production lines running.
When choosing manufacturing invoice finance, comparison involves more than just the headline rate. Manufacturers should consider whether the facility offers recourse or non-recourse factoring, as the latter protects against customer non-payment. The flexibility of the facility matters too; some lenders require whole-ledger agreements while others allow selective invoice finance. Advance rates, facility limits, and whether the lender understands the manufacturing sector's extended supply chains can all affect how well the arrangement works in practice.
Important note:
Funding Agent
Published loan rangeFrom £10,000 to up to £1,000,000
Rate typeInterest from 6.8% annually
Why it is included:It is included because many business owners need to compare several finance routes before choosing where to apply.
Funding Agent can help businesses compare suitable options across a lender panel, especially when eligibility depends on turnover, sector, trading history, credit strength and available documents.
Best use case: When the borrower wants to avoid applying to one lender at a time.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Why it stands out
- Useful when a business wants to compare lender fit rather than guess which lender to apply to first.
- Can help position the application around the funding purpose, trading profile and available documents.
- Works well as a conversion route for readers who are unsure whether a direct lender will approve a larger unsecured facility.
Need to know
- Funding Agent is a broker, not a lender.
- The lender, not Funding Agent, sets the final rate, term, fees and approval decision.
- The best match may be unsecured, secured, revolving credit, invoice finance or another product depending on the case.
Expert take
Funding Agent is a useful honourable mention for business owners who want to compare lender options before submitting a full application. A larger unsecured loan is not always approved by the first lender a business finds, so understanding lender fit early can reduce wasted time and avoid unnecessary declines.
Treyd
Published loan range£15,000 to £1,000,000
Rate typeinterest 1.4% to 2.5% monthly
Overview: For manufacturers running tight margins, Treyd keeps funding costs predictable with monthly interest from 1.4% to 2.5%. Facilities range from £15,000 to £1,000,000, turning unpaid B2B invoices into working capital within 24 hours. It also covers inventory and supplier payments tied to trade cycles. Suitability will depend on debtor quality and customer payment patterns.
Best next step: Check eligibility for manufacturing invoice finance with Treyd.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Predictable monthly interest rates
- Funds inventory and supplier payments
- Up to £1,000,000 facility available
Need to know
- Debtor quality affects eligibility
- Customer payment behaviour is assessed
- Not suitable for all manufacturing sub-sectors
Expert take
A trade-focused funder that understands supply-chain pressure. Manufacturers with strong B2B debtors and repeat purchase orders will find the combined invoice and inventory support a natural fit.
Source:https://www.treyd.io/
Waylog
Published loan range£15,000 to £500,000
Rate typeinterest 1.5% to 2.5% monthly
Overview: Waylog gets manufacturing businesses funded within 24 hours, which matters when raw material orders cannot wait for customers to pay. Facilities from £15,000 to £500,000 unlock cash tied in unpaid invoices while also supporting supplier payments and trade cycles. Your debtor book quality and concentration will influence the terms offered.
Best next step: Access manufacturing invoice finance through Waylog in 24 hours.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding available within 24 hours
- Supports supplier and trade payments
- Converts invoices into working capital
Need to know
- Debtor concentration is assessed
- Supplier strength may be reviewed
- Maximum facility of £500,000
Expert take
A responsive invoice funder built for businesses that move stock fast. Manufacturing firms facing tight supplier deadlines will value the speed-to-cash this lender consistently hits.
Source:https://waylog.com/
Finance for enterprise
Published loan range£1,000 to £2,000,000
Rate typeinterest 6.5% to 13.5% annually
Overview: Facilities from £1,000 to £2,000,000 give manufacturers of all sizes a way to close the gap between production costs and customer payments. Annual interest runs from 6.5% to 13.5%, and the flexible drawdown structure suits seasonal or repeat working-capital needs. Expect underwriting to look closely at trading history and affordability evidence.
Best next step: Compare manufacturing invoice finance options with Finance for enterprise.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Wide facility range for all sizes
- Flexible drawdown suits seasonal demand
- Covers general working capital needs
Need to know
- Trading history is assessed
- Personal guarantee may be required
- Costs may increase with usage
Expert take
A broad-spectrum funder serving small workshops and mid-sized plants alike. Manufacturers with steady trading records and seasonal order books benefit most from the drawdown flexibility.
eCapital
Published loan rangeUp to £500,000
Rate typeinterest 7% to 14.5% annually
Overview: When a production line needs immediate cash, eCapital can fund manufacturers within one hour, making it one of the fastest routes from invoice to working capital. Facilities go up to £500,000 with annual interest from 7% to 14.5%. The lender converts unpaid B2B invoices quickly, though debtor book quality shapes the final terms.
Best next step: Get fast manufacturing invoice finance through eCapital.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding possible within one hour
- Up to £500,000 facility limit
- Quick conversion of invoices
Need to know
- Debtor quality is key
- Customer payment behaviour matters
- Rates start from 7% annually
Expert take
A speed-first invoice funder for manufacturers who cannot afford production delays. The one-hour turnaround is a genuine differentiator, suiting smaller to mid-sized operations where agility counts.
Source:https://ecapital.com/en-gb/
PennyFreedom
Published loan rangeUp to £500,000
Rate typeinterest 7.5% to 15% annually
Overview: Drawing against outstanding B2B receivables as needed, PennyFreedom structures invoice finance so manufacturers can bridge payment gaps without long-term commitments. Funding lands in around two hours, with annual rates from 7.5% to 15% on facilities up to £500,000. The product works best where invoice quality is strong and debtor spread is healthy.
Best next step: Explore PennyFreedom for manufacturing invoice finance.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Funding in around two hours
- Draw against receivables as needed
- Up to £500,000 facility available
Need to know
- Invoice quality is scrutinised
- Debtor concentration may limit terms
- Rates reach up to 15% annually
Expert take
A straightforward receivables funder with a no-fuss approach. Manufacturers with clean invoice books and varied customer bases will find the drawdown structure practical for bridging payment gaps.
WeDo Business Finance
Published loan rangeUp to £25,000,000
Rate typeinterest 3.5% to 9.5% monthly
Overview: Large-scale manufacturers managing substantial B2B invoice ledgers can access facilities up to £25,000,000 through WeDo Business Finance. Monthly interest ranges from 3.5% to 9.5%, and funding can land within 24 hours. The scale makes it a contender for manufacturers with high-volume receivables, though debtor quality remains central to underwriting.
Best next step: Access large-scale manufacturing invoice finance with WeDo.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Facilities up to £25 million
- Funding within 24 hours
- Suits large invoice ledgers
Need to know
- Debtor quality drives eligibility
- Monthly interest can reach 9.5%
- Best for higher-volume manufacturers
Expert take
A high-capacity funder built for manufacturers running large receivables books. The £25 million ceiling means growing mid-market and established plants can fund production at scale without outgrowing their facility.
Time Finance
Published loan rangeUp to £5,000,000
Rate typeinterest 5.5% to 13.5% annually
Overview: Manufacturers with recurring production cycles will find Time Finance a natural fit, as it blends invoice finance with asset-backed and revolving credit facilities. Annual rates run from 5.5% to 13.5% across facilities up to £5,000,000, with funding typically available within 24 hours. The mixed-product approach means funding can align to both receivables and equipment needs.
Best next step: Combine manufacturing invoice and asset finance with Time Finance.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Combines invoice and asset finance
- Flexible drawdown for cycles
- Facilities up to £5 million
Need to know
- Limits can be reviewed or withdrawn
- Asset eligibility checks may apply
- Costs may increase with usage
Expert take
A multi-product lender that understands manufacturing cash-flow cycles run deeper than invoices alone. Blending receivables funding with asset finance gives production businesses room to cover both stock and machinery costs.
Source:https://www.timefinance.com/
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NatWest Bank
Published loan range£500 to £10,000,000
Rate typeinterest 4.5% to 10.5% annually
Overview: Among high-street banks, NatWest invoice finance is priced from 4.5% annually, with facilities spanning £500 to £10,000,000. Manufacturers with established trading histories and clean debtor books may find the cost of capital hard to beat. Bank underwriting tends to be more thorough than alternative lenders, so approval timelines can stretch.
Best next step: Check NatWest manufacturing invoice finance rates and terms.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Annual rates from 4.5%
- Broad facility range to £10M
- Strong brand and product coverage
Need to know
- Bank underwriting takes longer
- Strong trading history required
- Personal guarantee may be needed
Expert take
A mainstream banking option for manufacturers who prioritise rate over speed. Established plants with audited accounts and diversified debtor books stand the best chance of securing competitive terms here.
Source:https://www.natwest.com/business/loans-and-finance.html
Metro Bank
Published loan range£2,000 to £25,000,000
Rate typeinterest 9.6% to 9.6% annually
Overview: Metro Bank extends invoice finance to manufacturing businesses with facilities from £2,000 to £25,000,000 at a flat annual rate around 9.6%. The bank's high-street presence and broad product set including asset finance and revolving credit make it a one-stop option. Underwriting is bank-grade, favouring manufacturers with solid security and demonstrable trading records.
Best next step: Explore Metro Bank invoice finance for manufacturers.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- High facility ceiling of £25M
- Combines with other bank products
- Consistent annual rate structure
Need to know
- Bank underwriting is rigorous
- Security and valuations may apply
- Slower than alternative funders
Expert take
A relationship-led bank that suits manufacturers wanting to consolidate finance under one roof. The flat annual rate brings predictability, and manufacturers with strong balance sheets will clear the higher underwriting bar.
Source:https://www.metrobankonline.co.uk/business/borrowing/
4syte
Published loan range£26,000 to £3,000,000
Rate typeinterest 3% to 9.5% monthly
Overview: By blending invoice finance with trade and stock funding, 4syte gives manufacturers a way to cover raw materials and production while waiting for customer payments. Monthly interest ranges from 3% to 9.5% on facilities between £26,000 and £3,000,000, with funding typically available within 24 hours. Debtor quality and concentration will influence underwriting outcomes.
Best next step: Compare 4syte manufacturing invoice and trade finance options.
More info
Company stats
Eligibility
Loan range
Rates and debtor rules
Benefits
- Combines invoice and trade funding
- Covers raw material costs
- Facilities up to £3 million
Need to know
- Debtor quality is scrutinised
- Security requirements may apply
- Monthly interest reaches 9.5%
Expert take
A versatile trade-and-invoice funder for manufacturers juggling supplier and customer payment gaps. The blended product structure suits production businesses where stock purchase timing creates the cash-flow pinch.
Source:https://www.4syte.co.uk/
Invoice Finance Calculator
How invoice finance supports UK manufacturing cash flow
Manufacturing businesses routinely extend 30 to 90 day payment terms to trade customers, creating a gap between delivering goods and receiving payment. That gap ties up working capital that could otherwise fund raw material purchases, production runs, and wages.
Invoice finance closes this gap by advancing a portion of outstanding invoice value shortly after the invoice is raised. eCapital, for example, publishes a maximum loan-to-value of up to 90%, meaning manufacturers can access the bulk of their invoice value without waiting for customer payment.
This matters particularly for manufacturers handling seasonal demand or large contract orders. Instead of turning down growth opportunities because cash is locked in receivables, a manufacturer can draw against issued invoices to keep production moving. The facility grows in line with sales, so funding capacity scales naturally as the business wins more contracts.
Invoice factoring vs invoice discounting for manufacturers
Manufacturers choosing invoice finance face a key decision: factoring or discounting. Both options advance cash against unpaid invoices, but they differ in who manages the sales ledger and whether customers are aware of the arrangement.
With invoice factoring, the lender takes over credit control and collects payment directly from your customers. This is a disclosed facility, meaning your buyers know a finance provider is involved. Manufacturers that want to reduce admin overhead or lack an in-house collections team often find this model useful.
Invoice discounting keeps the arrangement confidential. You continue to manage your own collections and customer relationships. This suits larger manufacturers with established credit control functions who simply need to unlock working capital without changing how they interact with buyers.
A practical consideration for manufacturers is debtor concentration. Lenders may impose limits on how much funding they will advance against a single large customer, which affects manufacturers reliant on a handful of key accounts.
What manufacturers should compare when choosing invoice finance
Invoice finance providers differ in cost, facility size, and structure. Manufacturers should evaluate several factors before committing.
| Provider | Rate range | Facility limit |
|---|---|---|
| Treyd | 1.4% to 2.5% monthly | Up to £1,000,000 |
| Finance for Enterprise | 6.5% to 13.5% annually | Up to £2,000,000 |
| NatWest Bank | 4.5% to 10.5% annually | Up to £10,000,000 |
| WeDo Business Finance | 3.5% to 9.5% monthly | Up to £25,000,000 |
Beyond cost and facility size, manufacturers should consider whether the provider understands sector-specific billing patterns such as stage payments and retentions. Check whether the facility grows with your sales ledger, and confirm any minimum contract term or notice period before committing.
Eligibility and turnover thresholds for manufacturing invoice finance
Most invoice finance providers serving the manufacturing sector set a minimum annual turnover. eCapital sets the lowest bar at £60,000, while 4syte and NatWest Bank typically look for at least £300,000. Treyd and WeDo Business Finance ask for £500,000 or more, and Waylog requires £1,000,000.
Business age requirements also vary. Treyd expects at least one year of trading. Waylog asks for 18 months. 4syte will consider businesses from day one, making it an option for newer manufacturers that already have invoices to finance.
Personal guarantees are standard across the panel. Every provider confirming this detail requires a personal guarantee from directors. Homeowner status is rarely a barrier: Treyd, Waylog, Finance for Enterprise, eCapital, PennyFreedom, WeDo Business Finance, and Time Finance do not require home ownership. Metro Bank and 4syte do.
Manufacturers with strong debtor books and consistent invoicing typically find approval straightforward, even at modest turnover levels.
