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Asset finance for manufacturing & distribution

Asset finance spreads the cost of vehicles, machinery and equipment over its working life through hire purchase or leasing, with the asset itself securing the agreement so your cash stays in the business. Manufacturers and distributors use Rook Bristol asset finance to buy or upgrade CNC, fabrication or packing machinery or finance forklifts and delivery vehicles, with up to 60 months, matched to the asset's working life and decision within 24 hours.

Apply nowAbout asset finance
Check your eligibilityStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your finance manager.

£10K£1M
How long have you been trading?
What's your average monthly turnover?

Total money coming into your business account in a typical month.

What type of business is it?
Where should we reach you?

We'll use this only for your application.

Asset finance for manufacturers and distributors
Amount£10,000 – £1,000,000 per asset or package
TermUp to 60 months, matched to the asset's working life
SpeedDecision within 24 hours
PaymentsFixed monthly payments, with or without a deposit
Best forVans, plant, machinery, kitchens, medical and technology equipment

Common uses in manufacturing & distribution

  • Buy or upgrade CNC, fabrication or packing machinery
  • Finance forklifts and delivery vehicles
  • Fund raw materials for a large order
  • Release cash from unpaid invoices
  • Expand into a larger unit

Why manufacturers and distributors choose asset finance

Materials are paid for before products ship

Raw materials and components are bought weeks before an order is invoiced. Revolving credit covers that production cycle.

Customers pay on 60 to 90 days

Invoice finance releases most of an invoice's value within days of issuing it, rather than waiting on long payment terms.

Machinery drives capacity

A new CNC machine or packing line can be spread over its working life with hire purchase or leasing.

Growth needs working capital

Winning a larger contract means more materials, more shifts and more cash out before payment comes in.

How does asset finance work?

  1. 1

    Send us the supplier's quote, new or used, and tell us whether you want to own the asset at the end or simply use it.

  2. 2

    We confirm the asset's value and recommend hire purchase or leasing, with a term matched to how long the asset will earn for you.

  3. 3

    Once you sign, we pay the supplier directly and the asset is delivered to you.

  4. 4

    Make fixed monthly payments. With hire purchase, ownership passes to you after the final payment; with leasing, you can return, extend or upgrade.

What do I need to qualify?

  • 6 months trading
  • £10K+ in monthly turnover
  • A UK-registered business
Check my options

Other funding for manufacturers and distributors

Questions, answered

Something else on your mind? Ask the team.

Can manufacturers and distributors qualify for asset finance?
Many can. We typically look for a UK-registered business, 6 months trading and £10K+ in monthly turnover. We review manufacturing & distribution businesses with the sector's cash-flow patterns in mind. All finance is subject to status.
What is asset finance?
Asset finance is a way to acquire business equipment and spread the cost over time. The two main types are hire purchase, where you own the asset at the end, and leasing, where you rent it for an agreed period.
What's the difference between hire purchase and leasing?
With hire purchase you pay in instalments and ownership transfers to you after the final payment, usually with a small option-to-purchase fee. With leasing the finance provider owns the asset and you pay to use it, with options to return, extend or upgrade at the end.
Can I finance used machinery?
Yes. Asset finance covers new and used machinery from dealers, manufacturers and auctions, subject to valuation.

Want to partner with us?

Businesses, brokers and introducers: check eligibility in about three minutes, or talk to our team about working together.

Apply nowContact our team