How £150k helped a UK food manufacturer invest in new machinery

This manufacturer needed new equipment to meet demand, but didn't want to tie up its cash. One flexible facility covered the machinery and left a buffer for day-to-day costs.

New machinery and a cash buffer in one facility

The business
A profitable, well-established business producing food products for wholesale customers.

The challenge
Demand was there, but the existing equipment limited how much the business could produce. New machinery would lift output, but paying for it upfront would tie up cash the business needed to run day to day.

What we did
Our funding team looked at the full picture: the machinery cost, the business's cashflow and how quickly the new equipment would pay its way. Rather than funding the machinery alone, we found a single facility that covered the purchase and left extra cash in the account as a buffer. We took the case to several providers in parallel so the owner could move quickly.

The result
• New machinery bought and in production
• A cash buffer to cover day-to-day costs while output ramps up
• More capacity to take on orders and grow revenue

How a flexible business facility works
A flexible facility gives your business access to funding up to an agreed limit. You can use it for a large purchase, like new equipment, and keep the rest available for day-to-day costs. Repayments are spread over an agreed term, and many providers let you repay early.
It means you can invest in growth without putting all your cash into one purchase.

Could it work for your business? It is often a good fit if you:
• Need new machinery, vehicles or equipment to increase capacity
• Want to keep a cash buffer while you invest
• Are taking on bigger orders or contracts that need more output
• Have seasonal dips and want cover for wages, rent or suppliers
• Would rather have one facility than several separate funding products

For equipment purchases, asset finance can also be an option, where the funding is secured against the machinery itself. We will help you compare both, so you can choose what works best for your cashflow.

Planning a big purchase? Talk to our team about your funding options.