Business loans for manufacturing & distribution
An unsecured business loan is a lump sum from £10,000 to £1 million, repaid in fixed monthly instalments over up to 60 months, with no property or assets taken as security. Manufacturers and distributors use Rook Bristol business loans to buy or upgrade CNC, fabrication or packing machinery or finance forklifts and delivery vehicles, with 3 to 60 months and decision within 24 hours; funds within 48 hours of signing.
| Amount | £10,000 – £1,000,000 |
|---|---|
| Term | 3 to 60 months |
| Speed | Decision within 24 hours; funds within 48 hours of signing |
| Payments | Fixed monthly instalments |
| Best for | Expansion, refurbishment, hiring, stock and one-off investments |
Common uses in manufacturing & distribution
- Buy or upgrade CNC, fabrication or packing machinery
- Finance forklifts and delivery vehicles
- Fund raw materials for a large order
- Release cash from unpaid invoices
- Expand into a larger unit
Why manufacturers and distributors choose an unsecured business loan
Materials are paid for before products ship
Raw materials and components are bought weeks before an order is invoiced. Revolving credit covers that production cycle.
Customers pay on 60 to 90 days
Invoice finance releases most of an invoice's value within days of issuing it, rather than waiting on long payment terms.
Machinery drives capacity
A new CNC machine or packing line can be spread over its working life with hire purchase or leasing.
Growth needs working capital
Winning a larger contract means more materials, more shifts and more cash out before payment comes in.
How does an unsecured business loan work?
- 1
Apply online in a few minutes with your Companies House number, turnover and what the funds are for. Checking eligibility won't affect your credit file.
- 2
Connect your business bank account through Open Banking so our decision engine can read real trading performance, not just a credit score.
- 3
Your UK finance team confirms an amount, term and total cost, set out in pounds, within 24 hours. Nothing is binding until you sign.
- 4
Sign electronically and the funds reach your business account, typically within 48 hours. Repay by Direct Debit on a fixed schedule.
What do I need to qualify?
- 6 months trading
- £10K+ in monthly turnover
- A UK-registered business
Other funding for manufacturers and distributors
- Asset financeHire purchase and leasing for vehicles, machinery and equipment.£10,000 – £1,000,000 per asset or package · Up to 60 months, matched to the asset's working life
- Invoice financeRelease cash tied up in unpaid invoices through factoring or discounting.Facility linked to your sales ledger · Rolling facility
Questions, answered
Something else on your mind? Ask the team.
Can manufacturers and distributors qualify for an unsecured business loan?
What is an unsecured business loan?
How much can my business borrow?
Can I finance used machinery?
Want to partner with us?
Businesses, brokers and introducers: check eligibility in about three minutes, or talk to our team about working together.