Specialist

Factory Finance

For buying and refinancing factory equipment and assets

How much do you want to borrow?

 

Factory Finance

Clifton private finance

We specialise in sourcing factory finance options for equipment, assets and property in the UK

 
 
We provide high-quality factory finance for UK clients.

We can deliver enhanced, bespoke or exclusive terms through our market knowledge.  
Call us on 0203 900 4322 to discuss your requirements.
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Factory Finance - How It Works

Factories are at the heart of the UK's manufacturing sector, driving economic growth and innovation. However, maintaining and expanding these vital operations often requires significant capital investments in machinery, equipment, tools, and other essential assets. This substantial financial burden can hinder growth and competitiveness.

At Clifton Private Finance, we understand the unique challenges and opportunities faced by factory owners and operators. Our factory finance solutions empower you to acquire the assets you need while preserving your liquidity and cash flow. Our comprehensive range of financing options spans asset finance, leasing, business loans, commercial mortgages, and government-backed schemes, ensuring that every aspect of your factory's requirements is covered.

Read on to learn more about our tailored solutions and how we can support your journey towards operational excellence and sustained profitability.

Asset Finance for Factory Equipment

Asset finance is a fundamental pillar of our factory financing solutions at Clifton Private Finance. It allows you to distribute the cost of acquiring essential machinery, tools, vehicles, and other assets over a manageable timeframe, typically ranging from 12 to 60 months. This strategy enables you to invest in cutting-edge technologies without draining your working capital, enhancing your factory's capabilities and potentially boosting productivity and revenue streams.

We can facilitate two primary asset finance options tailored to meet your unique needs and preferences:

Hire Purchase Agreements

A hire purchase agreement grants you immediate ownership of the assets you require, such as CNC machines, industrial robots, or material handling equipment. An initial deposit, usually ranging from 10% to 20% of the total cost, is followed by fixed monthly instalments. Upon completing the payment term, you attain full ownership of the assets, enabling you to claim capital allowances and potentially reduce your tax liabilities.

Leasing Options

Leasing provides a flexible alternative where you pay a monthly rental fee to use the assets for a predetermined period, typically between 12 and 60 months. This option is particularly beneficial if you foresee the need for regular upgrades or prefer lower initial expenditures. At the end of the lease term, you can choose to purchase the assets for a nominal fee, extend the lease, or return the equipment.

Financing Beyond Assets: Comprehensive Solutions for Factory Owners

While asset finance is a vital component of our solutions, we recognise that factory owners and operators may require additional funding for various purposes, such as launching new facilities, acquiring or developing properties, or financing expansions. To cater to these needs, we offer a comprehensive range of financing options, including:

Business Loans

Secure the capital you need to launch a new factory, fund renovations, cover operational expenses, or expand your manufacturing capabilities with our flexible business loan solutions.

Commercial Mortgages

Whether you're purchasing an existing property or constructing a new facility, our commercial mortgage options can provide the necessary financing to secure the perfect location for your factory.

Development Finance

If you're embarking on a new construction project or undertaking significant renovations, our development finance solutions can support you throughout the entire process, from land acquisition to completion.

Understanding Factory Assets and Installations

Factory assets encompass a wide range of specialised equipment, each playing a pivotal role in maintaining efficient and productive operations. From cutting-edge CNC machines and industrial robots to material handling systems and precision measurement tools, every component contributes to the overall success of your manufacturing facility.

Key Asset Types

Installation Considerations

When installing factory assets, several factors must be considered to ensure optimal performance, worker safety, and compliance with regulations:

The budgetary requirements for factory projects can vary significantly, influenced by the scale, complexity, and industry-specific needs of your operation. For modest setups focused primarily on asset acquisition, costs could range from tens of thousands of pounds upwards. However, for large-scale, state-of-the-art facilities with advanced automation and cutting-edge technologies, budgets can easily extend into the millions.

At Clifton Private Finance, we possess the expertise to handle all types of finance pertinent to the manufacturing industry. Our comprehensive suite of solutions includes business loans, commercial mortgages, development finance, and our specialised asset finance offerings. We encourage you to initiate a consultation with our team, allowing us to assess your unique requirements and objectives. With a clear understanding of your vision, we can expertly guide you through the most appropriate financing pathways, ensuring a seamless journey from conception to realisation.

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Government Schemes and Grants for Factory Financing

In addition to our comprehensive financing solutions, the UK government offers various schemes and grants to support businesses, including factories, in acquiring new equipment and assets:

Our team at Clifton Private Finance can guide you through the eligibility criteria, application processes, and terms and conditions of these government-backed schemes, ensuring that you maximise the available opportunities to support your factory's growth and development.

Benefits of Factory Finance

Financing your factory's assets and projects offers numerous advantages, including:

While factory finance offers numerous benefits, it's important to consider potential drawbacks, such as overall costs due to interest and fees, contractual obligations, maintenance requirements, and early termination penalties.

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FAQs

How much can I borrow for a factory business loan?

The amount you can borrow through a business loan for your factory venture depends on factors such as your credit history, income, business plan, and the lender's criteria. Most lenders offer loans ranging from a few thousand pounds to several million, enabling you to fund startup costs, operational expenses, or expansions.

Can I finance the installation and setup costs along with the assets?

Absolutely. Most asset finance and leasing options allow you to include the installation and setup costs as part of the total financed amount, ensuring a seamless process without additional upfront expenses.

What are the eligibility requirements for factory financing?

To be eligible for factory financing in the UK, you typically need to be a resident over 18 with a valid bank account, a good credit score, stable income, and a solid business plan. Lenders may also require documentation such as proof of identity, address, income, and business ownership.

Is it possible to upgrade equipment during the finance term?

Depending on your finance agreement, you may have the option to upgrade your factory equipment during the finance term. This flexibility is particularly beneficial as technology advances or if

How We Can Help

At Clifton Private Finance, we understand the unique challenges and opportunities that factory owners and operators face in the dynamic manufacturing industry. With our extensive expertise and in-depth industry knowledge, we are well-equipped to guide you through the intricate world of factory finance.

Our services encompass:

Don't hesitate to contact our team of experts at Clifton Private Finance to discuss your factory financing requirements. We are dedicated to helping you acquire the assets, equipment, and resources necessary to power your manufacturing operations while ensuring financial stability and sustainable growth for your business.  

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Call us today to discuss your requirements on 0203 900 4322
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