Manufacturing Asset Finance
- Own the asset, pay over time
- Fixed rates for predictable monthly repayments
- Repayment terms: 1 to 5 years
- Stage payment available for machinery and equipment built or delivered in phases
Manufacturing Asset Finance for Machinery & Equipment
We offer manufacturing asset finance for a broad range of equipment used in factories and production environments. We work with businesses across multiple sectors, including food and drink, packaging, engineering, and building materials, helping spread the cost of essential machinery over manageable terms. We can help finance production lines, packaging machinery, processing equipment, workshop machinery, and other essential manufacturing assets.
Own the asset, pay over time
Manufacturing asset finance can be used to fund a wide range of machinery, equipment, and other hard assets used in production environments. Common examples include:
- Laser cutters
- Welding equipment
- Generators
- Temperature control systems
- Injection moulding machines
- Robotics
- Packaging machines
- Production lines
- Compressors
- Materials handling equipment
- Conveyor systems
- Chillers
- CNC machines
Manufacturing Finance for Software, Services, Delivery and Installation
We don't just offer funding solutions for hard assets such as equipment and machinery in the manufacturing industry. Reality can also help businesses spread the cost of related manufacturing software, services, and project support through affordable monthly payments, including:
- Consultancy services
- Software solutions
- Services and upgrades
- Customer success plans
- Data management and quality control
- Installation and delivery
What Do Our Customers Say?
Funding options for the Manufacturing Industry
Once we understand your business, the equipment you need, and how you want to structure repayments, we can recommend the most suitable manufacturing asset finance option. Common solutions include:
Hire Purchase
Hire Purchase is an ideal solution for businesses of all sizes that are keen to purchase equipment and machinery but spread the payments over the working life of the asset.
Finance Lease
Business Finance Leases are ideal for funding manufacturing equipment that depreciates in value. Simply pay for the equipment and machinery you need via monthly or quarterly repayments, and then choose to keep or update the equipment at the end of the agreed term.
Business Loans
If asset finance is not the right fit, unsecured business loans can sometimes provide an alternative way to fund manufacturing-related investment, upgrades, or short-term cash flow needs.
Flexible features of Manufacturing Asset Finance
Settle the agreement at any time
Fixed interest rates
Refinancing available against existing business assets
VAT deferral options to support cash flow
Stage payments for machinery supplied in phases
Which Businesses can benefit from Manufacturing Asset Funding?
Manufacturing asset funding can support a wide range of businesses that rely on machinery, equipment, and production assets to operate efficiently, increase output, or invest in growth. This includes manufacturers and production businesses, engineering and fabrication firms, food and drink processors, and packaging, warehousing, and distribution operations.
Why manufacturers use finance
Manufacturers often use finance to make larger equipment purchases more manageable and to support growth without unnecessary pressure on cash reserves. Manufacturing finance can help to:
Spread the cost of expensive machinery
Avoid large upfront payments
Align repayments with the working life of the machinery or equipment
Improve productivity with upgraded equipment
Fund new or used manufacturing assets
Who can apply for Manufacturing Finance?
Manufacturing finance eligibility criteria can vary, but lenders will usually look at factors such as:
Whether your business is UK-based
The value and type of machinery or equipment being funded
How long your business has been trading
The business’s financial position and ability to afford repayments
Credit history and overall application profile
The information provided to support the application
Because criteria can vary from lender to lender, working with a broker can help you find the most suitable manufacturing finance solution for your circumstances.
Manufacturing Asset Finance FAQ's
What is manufacturing asset finance?
Manufacturing asset finance is a way for businesses to spread the cost of machinery, equipment, and other production-related assets over an agreed term, rather than paying the full amount upfront. It can help manufacturers invest in essential equipment while preserving cash flow.
What is the difference between manufacturing asset finance and a business loan?
Manufacturing asset finance is designed specifically for funding equipment and machinery, whereas a business loan gives you a lump sum to use more generally. If you are investing in manufacturing assets, asset finance is often a more tailored and cost-effective option, as the funding is structured around the asset itself and how your business plans to use it.
Is VAT payable upfront?
That will depend on the type of agreement and how the deal is structured. In some cases, VAT is payable at the start, while in others there may be options to defer it. We can talk you through the available structures and help you find a solution that works for your cash flow.
Can software or installation be included?
Related costs such as software, installation, delivery, upgrades, and support services may be included as part of the overall funding package, depending on the asset and the finance structure.
Can manufacturing asset finance cover used machinery?
Yes, funding can often be arranged for used manufacturing machinery as well as brand-new equipment. This can be a practical option for businesses looking to control costs while still securing reliable assets. The finance available will usually depend on the type of machinery, its age, condition, and overall resale value.
Is manufacturing finance available for stage payments?
Yes, stage payments can often be arranged where equipment is being built, delivered, or installed in phases. This is particularly useful for larger manufacturing projects, bespoke machinery, or complex production lines where payments need to be released at key milestones rather than all at once.
“Reality Finance provide competitive lease rates enabling our customers to spread the cost of purchasing new equipment with our Easy Payment scheme. They are happy to talk directly with our customers and offer expert financial advice. In this difficult economic climate, we are looking to build on our relationship to make purchasing even easier for our customers.”
Mark Jackson-Nichols , Director, Loma Systems
Having Reality Finance as a partner has enabled our customers to invest in our tray sealing lines which is vital capital equipment that has enabled them to grow their businesses and improve efficiencies much quicker than if they had waited to generate the cash to pay for these assets.
We have always found the team at Reality Finance to be extremely responsive and supportive of us and our joint customers through the whole purchasing process, making it as smooth and swift as possible.
Sam Ashton , Commercial Director, Packaging Automation Ltd
Case Study | Packaging Automation
Jason Turner, specialist Account Manager at Reality Finance arranged the finance on behalf of the company:
“Our customer needed to increase production quickly and we were keen to support them with getting the required kit into place. With the Packaging Automation supplied machine and our support with the funding, they were able to double their production line immediately”.
Supporting a Fast-Growing Food Manufacturer
Reality Finance have recently worked with Packaging Automation to support a Yorkshire-based manufacturer of specialist gluten and dairy-free food products. This company was producing over 20 million meals a year for major supermarkets and food outlets and was in demand to produce more of their product.
Challenge
With the new factory set up and running, and with the brand growing, orders from leading supermarket chains continued to increase. The production line was struggling to keep up with the demand, with the company having to turn away new orders, stopping the business from growing further.
The company recognized that to increase its production volume, it would need to invest in specialist machinery including an additional packaging and production line – a significant capital investment. With immediate cash reserves allocated to other areas of the business, the company needed an alternative method of funding its new equipment.
Solution
Reality Finance was able to put together a monthly payment solution, enabling the company to spread the cost of its investment over a 5-year period. The purchase was an Eclipse SL4 Atmospheric Heat-Sealing Machine Installation as well as spare parts, accessories, and delivery, supplied by Packaging Automation.
This new equipment was delivered and installed within weeks of the initial order, meaning the manufacturer could increase their production and meet the demands of their suppliers.
How does our Finance work?
You will have one point of contact at Reality and we believe in building relationships - we won't make you fill in online forms to make your application.
1
Choose the asset or service your company needs
2
Speak to us and we will use our panel of lenders to find you the best monthly payment option
3
We take care of the paperwork and invoicing
4
Your product or service is delivered to you
5
You pay for your new asset as you use it
Why Reality Finance?
5 star service rating
Verified by Feefo
Over 30 lenders on our panel
so we can source you the best deal
Lender in our own right
Provides additional flexibility
Funding hard and soft assets
Anything you need for your business
24 years of trading
Established in 2000 and privately owned