Manufacturers and engineering firms often commit cash to machinery, tooling, raw materials and skilled labour well before customers settle invoices. A new contract can create as much pressure as it creates opportunity.
The right funding structure can support capital investment, production inputs and the working-capital gap between order and payment.
TMS Finance reviews the asset, supplier, contract cycle, margins, customer concentration and repayment capacity before approaching suitable finance providers.
Funding may be available for machinery, tooling, raw materials, contract mobilisation, energy improvements and working capital.
Submitting an enquiry does not commit you to proceed. Finance is subject to status, affordability, lender criteria and approval.
Funding for Equipment, Inputs and Delivery
Finance can support long-term productive assets and the shorter working-capital cycle required to deliver orders.
Common requirements include:
Depending on your business and funding requirement, we may be able to help with:
Start your finance enquiry
Complete the form and a member of the TMS Finance team will contact you to discuss your enquiry.
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We assess the asset, supplier, useful life, production benefit and the cash-flow cycle around each order. Depending on the need, we may consider asset finance, invoice finance, trade and stock finance, revolving credit or a business loan. We explain deposits, fees, security and repayment commitments clearly.
Here are some of the main questions that businesses in this sector ask.
Qualifying new or used machinery, production equipment, vehicles, handling systems, tooling and certain technology may be financeable. The asset, age, supplier, value and expected useful life all matter.
Some lenders may include delivery, installation, commissioning or associated costs where they form part of the complete project. The proportion of soft costs accepted varies by provider.
Trade finance, stock finance, revolving credit or a business loan may help fund inputs. Lenders will review suppliers, orders, margins, customer concentration and the expected route to repayment.
Asset refinance may release working capital against suitable unencumbered equipment, or replace an existing agreement. A valuation, settlement figure and lender security requirements may apply.
It may help where the business raises eligible business-to-business invoices. The facility will depend on debtor quality, invoice terms, concentration and whether the work has been completed without contractual dispute.
A deposit or advance payment may be required depending on the asset, lender, business profile and supplier. We will explain the contribution and payment schedule before you proceed.
Lenders commonly request accounts, bank statements, management information, existing borrowing details, asset quotations and evidence of orders or contracts. Larger projects may require forecasts and cash-flow projections.
Tell us about the equipment or contract, project cost, supplier, expected benefit and required timescale. We will review the requirement and explain the funding routes that may fit.
Read practical guides on asset finance, invoice finance, working capital and equipment investment for UK manufacturers and engineering businesses.
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