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Business Loans for Manufacturers and Distributors

Manufacturing & Distribution Business Loans UK

Manufacturers and distributors face high upfront costs long before clients pay. Raw materials, production costs, warehousing, and logistics all demand capital, while your invoices sit at 60 to 90 day terms. Elect Capital delivers the working capital you need to keep production running and supply chains on track.

Step 1 of 3

How much funding do you need?

£25,000£750,000

Applying is free and won't impact your credit score

4hrs
Fastest approval time
£750k
Maximum funding amount
Same Day
Funding available
0
Hard credit checks
Industry Challenges
The Funding Challenges You Know Too Well
We understand the unique financial pressures of your industry. Here's how Elect Capital helps.
Long payment cycles from clients
You deliver in weeks, but clients pay in 60-90 days. Working capital bridges that gap so production never stops while you wait for receivables.
Raw material cost spikes
Material prices move fast. Having capital on hand means you can buy at the right price, lock in bulk discounts, and protect your margins.
Equipment maintenance and upgrades
Production downtime is lost revenue. Fast funding covers repairs, replacements, or upgrades before a small issue becomes a costly shutdown.
How It Works
Three Simple Steps to Get Funded
No branch visits. No weeks of waiting. Just a fast, transparent process built for business owners who value their time.
1. Apply in 2 Minutes
Complete a short online form with your basic business details. No paperwork, no branch appointments, and zero hard credit pull during the application.
APPROVED
2. Same-Day Decision
We evaluate your business revenue and trading history, not just a credit score. Apply before 2pm and receive an offer the same business day.
£
24,500
274,500
3. Funds in Your Account
Accept your offer, and capital arrives in your business account, often within hours. No waiting weeks for bank approvals.
Our Products
Funding Solutions That Fit Your Business
Every business has different capital needs. Whether you need to bridge a cash flow gap, invest in growth, or cover an unexpected cost, we have a product built for you.
Eligibility
Quick Check: Do You Qualify?

Most established UK businesses in your sector qualify. We look at your revenue and trading history, not just a credit score.

12+
Months in business
£25k+
Monthly revenue
£750k
Funding available
Funded
£125,000
Restaurant & Hospitality
ManchesterOct 2025
Funded
£85,000
E-commerce & Retail
LondonNov 2025
Funded
£250,000
Manufacturing
BirminghamDec 2025
Funded
£60,000
Healthcare
EdinburghJan 2026
In Practice
How Businesses Like Yours Use Elect Capital
Bulk Raw Material Purchase
A plastics manufacturer was offered a 15% discount on a large resin order. Elect working capital funded the purchase same-day, and the savings on materials more than offset the cost of funding.
Bridging a 90-Day Payment Cycle
A food packaging distributor had a major supermarket client on 90-day terms. Elect capital covered payroll and supplier costs while the invoice was outstanding, preventing any disruption to production.
Machinery Upgrade for a New Contract
After winning a major contract, a precision engineering firm needed a CNC machine upgrade to meet the specification. Elect funded the upgrade within 48 hours, allowing production to start on schedule.
FAQ
Common Questions
Yes. Elect Capital provides unsecured working capital to UK manufacturers and distributors based on business revenue and trading history, with no equipment or property required as collateral.
Apply before 2pm and receive a decision the same day. Funding is typically available within hours of acceptance.
Yes. Raw materials, components, packaging, and shipping costs are all eligible. Many manufacturers use our funding to buy ahead and lock in volume pricing.
Eligible UK manufacturers and distributors can access between £25,000 and £750,000. The amount is based on your monthly revenue and overall trading performance, not the value of your equipment or premises.
No. There is no hard credit check at the initial application stage. You can apply and receive an offer from Elect Capital without any impact on your personal or business credit file.
Yes. Equipment repairs, machinery upgrades, and replacement of critical production assets are all eligible uses. Avoiding costly production downtime is one of the most common reasons manufacturers turn to Elect Capital.
Yes. Warehousing fees, third-party logistics, freight charges, and import duties are all eligible uses of working capital. Distributors regularly use Elect funding to maintain smooth supply chain operations during peak demand periods.
Yes. UK-registered import and export businesses are eligible to apply. Working capital can cover purchase orders, freight forwarding, customs duties, and the gap between paying overseas suppliers and receiving payment from domestic clients.
Your business must be UK-registered (as a limited company or partnership), have been trading for at least 12 months, and generate a minimum of £25,000 in monthly revenue. We evaluate your revenue and cash flow, not just a credit score.
Yes. Purchase order financing is a common use case. If you win a large contract but lack the upfront capital to source materials and fulfil the order, working capital from Elect can bridge the gap between order and payment.
The application requires your company registration number, basic business details, and recent bank statements. There are no lengthy financial accounts or business plans needed. Most applicants complete the form in under two minutes.
The Elect Difference
Why Business Owners Choose Elect
We're a dedicated lender built from the ground up to serve UK SMEs with speed, transparency, and a human touch.
Transparency
Clear terms, no hidden fees, and open communication at every step. You'll always know exactly what you're signing up for before you commit.
Innovation
We use revenue data and cash flow analysis, not outdated credit models, to make funding decisions. Smarter underwriting means faster approvals.
Empowerment
Our UK-based team works directly with you. No call centres, no being passed between departments. One advisor, one relationship, one goal: getting you funded.
Work directly with Elect Capital. No matter your goal, our in-house funding advisors can help you find the right financing solution for your business.
Apply Now
Choose Elect.
Choose Growth.
Capital that moves as fast as you do. One click away from the next opportunity.
Apply NowPartner With Us
Elect Capital
hello@electcapital.com+44 20 8050 2023

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Elect Capital is a trading name of Elect Capital UK Limited, registered in England and Wales with company number 16106576 and registered address: B1 Vantage Business Park Old Gloucester Road, Bristol, Gloucestershire, England, BS16 1GW. Registered with the Information Commissioner's Office in relation to the processing of personal information, registration number ZB842935. We pay commission to other credit introducers for referring new customers. The commission amount may vary depending on the product, or other permissible factors.

Elect Capital UK Limited provides business funding solutions to UK SMEs, operating transparently in accordance with applicable laws and regulations.

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