Stock Finance for Manufacturers
By Joshua Giles, Founder and Director · Reviewed by the CoreFi credit team
Last updated 20 July 2026
CoreFi is a broker, not a lender. We do not set rates and lenders make all credit decisions.
In short: £50k - £5M facility over Ongoing (12-month rolling). Stock finance is a revolving facility secured against your inventory, letting UK manufacturers draw cash against raw materials, WIP, and finished goods instead of waiting for customers to pay.
Stock finance is a revolving facility secured against your inventory, letting UK manufacturers draw cash against raw materials, WIP, and finished goods instead of waiting for customers to pay. As a broker, CoreFi places it with lenders whose appetite fits your stock profile.
Key Benefits
- The advance is set against your actual stock value at cost, so a large raw-material purchase can increase your available facility the same day it lands in your warehouse
- WIP can be included by the right lender, though expect a lower advance rate and a conversation about your costing methodology before they confirm the number
- Combine it with invoice finance and the facility covers both sides of the production cycle, materials in and receivables out, rather than leaving you exposed at the front end
- The revolving structure means the facility tracks your stock movements: as finished goods ship and stock falls, the facility reduces rather than leaving idle debt on the balance sheet
Frequently Asked Questions
Is work-in-progress (WIP) eligible?
Some lenders include WIP, though at a lower advance rate than raw materials or finished goods. WIP valuation is more complex, so lenders may require a clear production schedule and costing methodology before they confirm the number.
Can I finance imported raw materials?
Yes, once they have arrived at your premises and can be inspected. If you need funding for the import itself before delivery, trade finance or import finance is the more appropriate product. Stock finance picks up from the point the goods are in your possession.
What reporting is required?
Regular stock reports, typically monthly, showing quantities, values, ageing, and composition by category. Lenders who accept WIP will want more detail. If your ERP or inventory system can export this automatically, flag it early in the conversation, as it reduces friction at review time.
What if raw material prices fluctuate?
The facility moves with your stock value at cost. If steel or polymer prices rise, your stock value rises with them and your available facility increases. If prices fall, the facility reduces accordingly. For volatile commodities, lenders typically apply a margin buffer to protect against a sudden price drop between valuations.
Related Funding Options
Invoice Finance for Manufacturers | Release Cash from Your Sales Ledger
UK manufacturers waiting 60-90 days for payment can release 80-90% of invoice value within 24 hours. We place invoice finance for manufacturing businesses across a range of facility sizes.
Trade Finance for Manufacturers
UK manufacturers paying overseas suppliers before finished goods sell can use trade finance for manufacturers to bridge the gap. We place transactions from £25k to £5M with lenders who understand manufacturing lead times.
Asset Finance for Manufacturers
Finance CNC machines, production lines, & industrial equipment for UK manufacturers. We place asset finance deals from £25k to £5M, hire purchase or finance lease.
Stock Finance UK: Inventory-Backed Working Capital
Stock finance advances 50 to 70% against inventory at cost, revolving as you sell and restock. We place these facilities for UK limited companies, from £25k.
Business finance by location
Lender appetite varies by city and region. If you would rather start from where your business is based, these local guides cover the same funding with the local picture.
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Get matched with lendersCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.