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    Invoice finance for manufacturing

    From automotive manufacturers to metal fabrication, invoice finance bridges cash flow gaps. Unlock up to 90% of your invoice value within 24 hours for operational stability.

    What is manufacturing invoice finance?


    Waiting weeks or months for payments can strain cash flow. Invoice financing helps keep money moving, giving you access to funds as soon as invoices are raised, even when projects are delayed or supply chains are disrupted. Take the pressure off working capital and unlock the cash tied up in unpaid invoices today.

    How does manufacturing invoice finance work?


    Once you raise an invoice, we advance up to 90% of its value – usually within 24 hours, with the balance paid once your customer settles. This gives you access to funds, helping bridge the gap between production costs and customer payments. Invoice finance for manufacturing companies turns your sales ledger into a reliable source of working capital that grows in line with your turnover.

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    Benefits of invoice finance for manufacturing companies

    Improved cash flow

    Free up working capital from your sales invoices to pay staff, suppliers and essential overheads on time. This help you to avoid production delays and run operations more smoothly - without waiting on customer payments.

    Funding for materials and production

    Invoice finance is a scalable funding solution that gives you the flexibility to buy materials in bulk, negotiate better pricing, upgrade technology and manage long production cycles more effectively.

    Support business growth

    Whatever your next growth step looks like, new equipment, extra capacity, digital systems or greener operations, invoice finance can help fund it. As a flexible finance option, you can invest sooner, take on bigger orders with confidence and keep momentum without waiting for customers to pay.

    Stort Chemicals


    "At a time when many high street lenders were unable to offer us the support we required, Close Brothers Invoice Finance took the time to understand our business objectives and provide solutions."


    Richard Gilkes, Managing Director at Stort Chemicals

    Read this case study

    Invoice finance products for the manufacturing industry

    Invoice discounting for manufacturing

    Invoice discounting allows you to retain control of customer relationships by managing invoicing and collections yourself. Once invoices are raised, we advance up to 90% of their value. This confidential solution keeps your processes unchanged while unlocking working capital to improve cash flow and support growth.

    Asset based lending for manufacturing

    Asset-based lending is often well suited to manufacturers with significant inventory, machinery, equipment, property or real estate. By using business assets as collateral, firms in the manufacturing industry can typically access higher levels of funding than through traditional cash-flow-based lending alone.

    Invoice factoring for manufacturing

    Invoice factoring suits manufacturers that want to outsource credit control and collections. After you raise an invoice, we advance up to 90% of its value. We manage your sales ledger and follow up payments, freeing your team to focus on production.

    Frequently asked questions

    Which manufacturing sectors commonly use invoice finance?

    Invoice finance can be used by manufacturers serving a wide range of industries, including automotive, pharmaceutical, aerospace, machinery, computing and textiles. As long as you invoice other businesses, it’s a suitable funding solution.

    What is the difference between invoice finance and a traditional loan?

    With invoice finance, you can access up to 90% of the value of an invoice as soon as it's issued. And you’ll receive the remaining balance when its paid, minus a fee.


    A traditional loan, on the other hand, provides a fixed amount of funding, typically repaid in monthly instalments with interest, and often secured against business assets.


    One of the biggest differences between invoice finance and a traditional loan is that invoice finance grows with your business without the need to renegotiate each change. As the number of invoices increases, so too does the amount available to you - unlike a loan, which is static and accessing additional funds usually requires a new application.

    Can invoice finance help fund raw material purchases?

    Yes, invoice finance is completely flexible. Manufacturers can use the additional cash flow for a wide range of business needs including paying suppliers and funding raw material purchases, or unlocking the benefits of bulk buying.

    Is invoice finance suitable for growing manufacturers?

    Yes. Invoice finance can be a highly effective funding solution for manufacturers looking to scale. It’s particularly useful for those taking on larger projects or with long production runs, where materials and labour often need to be paid before invoices are raised and payments are received.


    By unlocking cash tied up in unpaid invoices, invoice finance can help ease cash flow pressures, manage seasonal peaks, bridge payment gaps, and support continued growth.

    • Which manufacturing sectors commonly use invoice finance?

      Invoice finance can be used by manufacturers serving a wide range of industries, including automotive, pharmaceutical, aerospace, machinery, computing and textiles. As long as you invoice other businesses, it’s a suitable funding solution.

    • What is the difference between invoice finance and a traditional loan?

      With invoice finance, you can access up to 90% of the value of an invoice as soon as it's issued. And you’ll receive the remaining balance when its paid, minus a fee.


      A traditional loan, on the other hand, provides a fixed amount of funding, typically repaid in monthly instalments with interest, and often secured against business assets.


      One of the biggest differences between invoice finance and a traditional loan is that invoice finance grows with your business without the need to renegotiate each change. As the number of invoices increases, so too does the amount available to you - unlike a loan, which is static and accessing additional funds usually requires a new application.

    • Can invoice finance help fund raw material purchases?

      Yes, invoice finance is completely flexible. Manufacturers can use the additional cash flow for a wide range of business needs including paying suppliers and funding raw material purchases, or unlocking the benefits of bulk buying.

    • Is invoice finance suitable for growing manufacturers?

      Yes. Invoice finance can be a highly effective funding solution for manufacturers looking to scale. It’s particularly useful for those taking on larger projects or with long production runs, where materials and labour often need to be paid before invoices are raised and payments are received.


      By unlocking cash tied up in unpaid invoices, invoice finance can help ease cash flow pressures, manage seasonal peaks, bridge payment gaps, and support continued growth.

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