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Fresh Thinking Capital

Manufacturing Finance

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    With demands on UK manufacturing ever increasing, the industry is a high growth, fast paced business – with investment demands such as essential equipment purchases, operational cashflow and growth funding a concern for most businesses. Our Manufacturing finance can help, we understand that your business is a complex operation that needs the support of a funder who understands your industry, circumstances and the opportunities you have available.

    Unlike most major lenders, Fresh Thinking Capital don’t have a tick box mentality. We take a look at your unique circumstances, the opportunity and your business plan to enable us to provide the manufacturing finance to make your opportunity come to life. Through our unique experience and team, from lending agreement, we can have the money to you within as little as five days.


    Food and Drink Manufacturing Finance

    With the growth of automation, improving your supply chain, product development and marketing, as well as the costs associated with manning your production line – capital can be stretched. Our Manufacturing Finance can not only be used to help you manage these costs – it can help you grow. We allow businesses to seize opportunities in the time frames they need to. Whether it be to develop a new line at pace or acquire a rival brand at a great cost, we work with you to understand your opportunity for growth and then provide the capital in a time frame that suits you.

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    Automotive and Transportation Manufacturing Finance

    Our manufacturing finance can help automotive companies to get ahead of the game – with funding that can be drawn down in as little as five days, we pride ourselves on helping businesses take hold of the opportunities they see – in the timeframes they need to. So, whether you need more machinery to meet demand or identify a space in the market for a brand new product, our manufacturing finance can be there to help.

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    Textile and Furniture Manufacturing Finance

    With the UK experiencing a renaissance of home grown textile and furniture manufacturing, brands and retailers are looking to reshore their production lines creating opportunity for textile and furniture manufacturers to make their stamp on the market. With increased opportunity for production and ever evolving “fast fashions”, textile and furniture manufacturers need to be able to innovate and expand at a rapid rate. Our manufacturing finance could give you that opportunity. We understand that you need a funder who can take into account your individual circumstances and opportunities and have the expertise to fund you in the most appropriate way, in the time frame you need it.

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    Case Studies

    Land loan to buy land without planning permission

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    Working capital financing for a fashion company

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    Auction finance bridging loan for a police station

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    Business working capital loan in just 10 days

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    Frequently Asked Questions

    What is your LTV ratio against commercial manufacturing premises?
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    Our typical loan to value that we lend against commercial property is 70%, although, this can be circumstantial depending on the type of commercial asset. Where a 70% LTV funding facility does not provide enough funding for your opportunity, we can also secure our funding against other assets such as land and residential property, to make up the shortfall.

    Can I use security outside of the business for your manufacturing finance?
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    Yes, you can use assets that are held inside of your business or assets that are completely unrelated to your business as security for our manufacturing finance.

    Can I repay my manufacturing finance early?
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    Yes, every one of our manufacturing finance facilities will have a tailored minimum interest period. After this, you can repay your short-term manufacturing finance with no early repayment penalties.

    Is your manufacturing finance amortised or paid back in one final instalment?
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    Most of our short-term funding facilities are repaid in one final instalment. Although, each of our manufacturing finance facilities is tailored towards your unique circumstances and can accommodate various repayment plans.

    Do you lend based on a business’ profitability?
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    We look at every funding request on a deal by deal basis and do not have any specific profitability parameters that a business needs to meet when it comes to our short-term manufacturing finance. We often provide funding to businesses with a good story when other mainstream lenders are not willing to help.


    Lending Process

    Latest blog

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    *(Source: https://www.makeuk.org/insights/publications/uk-manufacturing-the-facts-2019-20#:~:text=With%20annual%20output%20of%20%C2%A3,manufacturing%20nation%20in%20the%20world.)

    Fresh Thinking Capital