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Invoice finance for manufacturing & distribution

Invoice finance releases most of the value of your unpaid invoices within days of raising them. Manufacturers and distributors use Rook Bristol invoice finance to buy or upgrade CNC, fabrication or packing machinery or finance forklifts and delivery vehicles, with rolling facility and advances typically within 24 hours of submitting an invoice, once live.

Apply nowAbout invoice finance
Check your eligibilityStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your finance manager.

£10K£1M
How long have you been trading?
What's your average monthly turnover?

Total money coming into your business account in a typical month.

What type of business is it?
Where should we reach you?

We'll use this only for your application.

Invoice finance for manufacturers and distributors
AmountFacility linked to your sales ledger
TermRolling facility
SpeedAdvances typically within 24 hours of submitting an invoice, once live
PaymentsSettled when your customer pays, less an agreed fee
Best forB2B firms on 30 to 90 day payment terms

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 invoice finance

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 invoice finance work?

  1. 1

    Apply and share your aged debtors report. We assess the quality of your customers as much as your own business.

  2. 2

    Choose factoring, where we manage collections for you, or invoice discounting, where you keep control and customers need not know.

  3. 3

    Raise an invoice as normal and upload it. We advance an agreed percentage of its value, usually within 24 hours.

  4. 4

    When your customer pays, you receive the balance, minus a fee agreed at the outset.

What do I need to qualify?

  • 6 months trading
  • £10K+ in monthly turnover
  • A UK-registered business
Check my options

Other funding for manufacturers and distributors

Questions, answered

Something else on your mind? Ask the team.

Can manufacturers and distributors qualify for invoice finance?
Many can. We typically look for a UK-registered business, 6 months trading and £10K+ in monthly turnover. We review manufacturing & distribution businesses with the sector's cash-flow patterns in mind. All finance is subject to status.
What is invoice finance?
Invoice finance lets you borrow against money your customers owe you. You receive an advance on unpaid invoices, then the balance, less fees, once the customer pays.
What's the difference between factoring and invoice discounting?
With factoring, the finance provider manages your sales ledger and collects payment from your customers. With invoice discounting, you keep running credit control and collections yourself, and the arrangement can be confidential.
Can I finance used machinery?
Yes. Asset finance covers new and used machinery from dealers, manufacturers and auctions, subject to valuation.

Want to partner with us?

Businesses, brokers and introducers: check eligibility in about three minutes, or talk to our team about working together.

Apply nowContact our team