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    Invoice finance for food and drink manufacturers

    Unlock the value of unpaid invoices instantly, helping you negotiate better deals, manage seasonal demand, and offset late payments.

    What is invoice finance for the food and drink industry?


    Food and drink production comes with inherent risks, but your cash flow shouldn't. Invoice finance lets you unlock the value tied up in unpaid invoices as soon as you raise them, helping you cover costs while you wait for customers to pay.


    So whether you're a manufacturer, wholesaler or distributor, you can bridge payment gaps and steady your cash flow.


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    How does invoice finance for the food and drink sector work?


    Food and drink businesses often benefit from tailored funding that flexes with order volumes, supplier terms and seasonal demand.  At Close Brothers, our long experience in food and drink means we understand the challenges and find solutions others can't. Simply raise your invoice as usual, and we advance 90% of its value, typically within 24 hours. Because invoice finance flexes with turnover, it absorbs seasonal swings without renegotiation.


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    Benefits of invoice finance for food and drink companies

    Finance production equipment and storage

    Invoice finance gives you flexible funding to invest where you need it, from a new production line or packaging equipment to a short-term uplift in chilled or ambient storage. Stay ready for new, larger contracts without delays.

    Recruit skilled production and operations staff

    Seasonal workers, specialised operators, truck drivers, and warehouse staff are all crucial for delivery. Invoice finance can bridge the gap between paying temporary hires and receiving payments from your clients.

    Manage seasonal demand and fluctuating order volumes

    Whether it's a major supermarket order or the run-up to Christmas, invoice finance steadies your cash flow without waiting for customer payments. Navigate peak seasons, scale production, pay staff, and fulfil every order.

    AK Stoddart Ltd


    "The business benefits from excellent relationships with both its customer base and the Scottish farming community and we look forward to working closely with both to further develop the Stoddart brand over the coming years."

    Read this case study

    Invoice finance products for the food and beverage industry

    Invoice discounting for food and drink companies

    Manage collections yourself with invoice discounting, ideal if you already have a finance team and want to retain control of customer relationships. This solution keeps your internal processes unchanged and confidential, while unlocking working capital to improve cash flow and support your growth ambitions. It's also a powerful tool for navigating supply chain issues, extended payment terms, and seasonal challenges.

    Invoice factoring for food and drink companies

    Invoice factoring, by contrast, means we manage your credit control and collections on your behalf. It's a great fit if you have a small in-house finance team, with a focus on other priorities. We chase payments for you while advancing 90% of each invoice's value shortly after it's raised, keeping your working capital flowing without additional admin.

    Asset based lending for food and drink companies

    Existing business assets, from premises to production equipment and machinery, can be leveraged to release additional capital you can invest back into the company. Whether you're expanding into new markets or launching a new product, asset based lending can top up your funding so you have everything you need to execute your strategic moves with confidence.

    Food and drink case studies

    Invoice finance sought to grow brand

    CASE STUDIES
    28 Sept 2023

    Invoice finance helps craft beer maker meet growing demand

    CASE STUDIES
    09 Jan 2023

    Organic drinks manufacturer chooses invoice finance to support growth plans

    CASE STUDIES
    01 Sept 2022

    Invoice discounting facility helps food and drink supplier focus on growth

    CASE STUDIES
    12 Jul 2022

    Invoice factoring enables brewery to continue growth

    CASE STUDIES
    06 Dec 2018

    ABL facility enables acquisition of AK Stoddart Ltd

    CASE STUDIES
    19 Nov 2015
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    Invoice Finance for Food and Drink | Close Brothers Invoice Finance