Finance for Food Manufacturing

Financial solutions for equipment, premises and supplies - and more

Speak to one of our experts020 4525 5312

4.4 out of 5 stars on Google!
Our customers trust Rangewell.

Google reviews

Funding options



  • Commercial mortgages from 2% above base rate
  • Secured loans - £250,000 or more from 2% above base rate
  • Refinance existing property assets
  • Property leasing

Building your business

  • Asset finance - providing machines and equipment
  • HP up to 60 months from 6%
  • Equipment Lease - with no capital costs
  • Working capital loans

Running your business

  • Cashflow support
  • Working capital loans
  • Export finance
  • Invoice finance

Talk to Rangewell – the business finance experts

Your food production business needs a high level of funding to work with the latest equipment and stay competitive. At Rangewell we know the industrial and food sectors - and the lenders who can provide the most competitive solutions for businesses working in them.

At Rangewell we recognise your professional status, and we work harder to find you better solutions - which can include 100% finance for many of your needs.

Call us020 4525 5312
ScheduleArrange a call-back

The food manufacturing industry is made up of many sectors from bakery to dairy, confectionery and frozen foods. All require specialised funding solutions.

Table of Contents

Food and drink manufacturing operations range from small units with few workers to large factories and multi-site organisations employing thousands of people.

With increasing demand for products that are healthier and also keeping costs to a minimum, there are many changes coming to the industry. New products, new processes and new equipment mean that any business in the food manufacturing sector needs a constant round of investment to remain competitive.

At Rangewell, we work with food manufacturing businesses across the UK. We can help you find the funding you need to take advantage of new technologies, and make the most of the funding options available to you.

Understanding your Funding Options

If you are setting up, growing an existing business, or simply looking at investment to maintain  your current level of profitability, getting the right funding option is essential.


You may need to find the right type of  funding option to allow you to:

  • Acquire premises

  • Bring in and update equipment and assets

  • Release cashflow by refinancing assets

  • Finance growth

  • Deal with tax

  • Buy in/Buy out

  • Provide working capital

Funding your premises

Premises can represent a major investment for any food manufacturing business. The cost of renting a small  suitable industrial unit will be high, and will have service charges and business rates on top of the bare lease. You may need upfront funding to secure the agreement - we can provide a number of solutions to help you.

However, renting means ongoing costs, and puts your business at risk of rent increases. Buying your premises with a commercial mortgage could actually decrease your monthly outgoings, and provide your business with a valuable asset for the future.

Find out more about funding to lease or buy your premises. <link>

Asset Finance for the equipment you need

You may need a wide range of equipment to operate any kind of food manufacturing.  The list of equipment will depend on the area in which you specialise, but will range from bulk handling systems and washers to preparation and cooking facilities, packaging, refrigeration and despatch.


If you are ready to move from batch to continuous production, you may need to equip an entire production line, with costs starting in the millions.


The larger your business, and the greater the level of automation in your operation, the greater your needs may be. However, asset finance -  hire purchase and leasing - can help make virtually any type of equipment you need affordable. With asset finance, the equipment or ‘asset’, is used as the security for the loan itself.  This means that if you were unable to repay, the lender would simply repossess it, reducing the risk to the lender and the cost to you.


Hire purchase, contract hire and leasing are all forms of asset finance

Hire purchase

Hire purchase lets you spread the cost of buying high cost equipment you will use for the long term.  Arrangements generally last between 12 and 72 months. You pay a deposit plus fixed monthly instalments for the agreed term, after which the assets become yours.

Many equipment vendors will offer hire purchase facilities to support their sales. At Rangewell, we have found that arranging your own finance can be more cost effective.

Finance and operating leases

Leases work like a rental agreement  and let you spread the cost of equipment with no upfront payment.  This type of finance could be the best option for equipment which will have a limited life.


Contract Hire

If you have a distribution operation to support your food processing, contract hire could help you cut the cost of your fleet.

New and used assets

Pre-owned equipment can mean major savings compared with new equipment. We can help you arrange various types of Asset Finance for used equipment, allowing you to save twice - with both a reduced purchase price, and secondly by spreading the cost of finance.

Find out more about asset funding. <link>

Refinance existing assets

The equipment that your business already uses represents a considerable investment. Asset refinance lets you re-use that investment to fund any aspect of your business, while still having full use of your assets. The finance company will buy the asset from you, providing you with a cash sum. You then buy the asset back, with a new finance arrangement.


You can use asset refinance to release cash, or to replace existing finance deals to reduce your monthly outgoings. Find out more here. <link>

The costs of operating your business

There are several types of funding which can help you  deal with the costs of setting up and operating your business

Loans are the best known forms of business finance. There are two main types: Secured loans are ‘secured’ because the lender will require security in case you cannot pay the loan back. This could be your home, or your business premises. They can be used to borrow large sums of money, of £250,000 or more.

Unsecured loans can be suitable for smaller sums, from £5000 upwards, although some lenders will not let you borrow more than one month’s turnover with an unsecured loan.  

We can help you find the kind of loan to fit your needs. <link>

Cashflow funding

Cashflow is a major challenge for every business, especially if your trade is seasonal. Solutions include:

Revolving credit facilities


Revolving credit facilities bring a line of credit, with an agreed limit that you can call on when you need it. You only pay for the money you take out, so it can be a cost-effective way to raise funds if you need them.


Find out more about ways  to smooth your cashflow <link>


Invoice finance

Customers in the food industry, and especially large supermarkets can often take months to pay. Invoice finance can bring you cash as soon as you issue an invoice, providing a flow of cash that keeps pace with the amount of business you do.

Find out more about invoice finance <link TBA

Tax funding

Tax demands always seem to arrive at the most inconvenient moment. A tax loan can help you to spread the cost of VAT and annual tax demands into monthly payments, helping smooth your cashflow.

Our finance experts can help you deal with your tax bills<link>

Working capital finance

Operating your business will mean a number of ongoing costs. As well as staff costs, you will have waste disposal needs, and overheads such as utilities. Working capital finance is designed to give you additional working capital, helping  provide cash to pay staff and suppliers during the early weeks and months after opening or during a period of growth. It is designed to be repaid in the short term

Our finance experts can help solve your working capital needs <link>


Should you consider Alternative Business Funding?

Alternative business funding, such crowdfunding and Venture Capital might appear attractive - but the drawbacks include high cost, delay and even loss of control. Fortunately, we can help you find better alternatives, from the new generation of lenders who have a more flexible approach than traditional funding sources.

Find out more about alternatives here <link TBA>

Buying in to an existing food manufacturing business

Buying an existing business with equipment and goodwill could offer immediate returns. Knowing the kinds of profit that can be generated will  help convince potential lenders that your plans are viable.

A secured loan could help you to borrow the large sums required for a uy in our buy out of an existing business.  You might also consider ‘jigsaw’ funding. This is a bespoke finance package, made up of a number of loan types, such as a commercial mortgage for the premises, with other loans to cover goodwill, and asset finance for the equipment.

Contact us to find out more about funding for buy ins and buy outs <link>

Funding for growth

Once your business has started to establish itself, you may need to consider growth. Expanding production may take more plant and equipment and more staff, and you may ready to consider new markets further afield, or exporting.
Additional investment will be required. This can be challenging if your business does not have the long trading history and profit record that lenders usually require. However, there are lenders who take a more enlightened view and may be able to can help.
As well as solutions for working capital and cashflow as your business grows, there are a number of special solutions for exporting, designed to reduce the uncertainties as you explore the potential of new markets.
Our finance experts can help solve your growth, export and working capital needs <link>


How we help you capitalise your business

At Rangewell, our expertise works to bring you the financial solutions you need to capitalise your business, whether you want to fund capital expenses, working capital or growth.

We can help with every type of finance including Unsecured and Secured Loans, I Asset Finance, Commercial Mortgages, Growth Finance and more. We know the lenders who understand the food processing industry and the most competitive rates for all types of lending.

Whether you have a straightforward, small scale funding need, or require a complicated ‘Jigsaw’ funding plan made up of a combination of financial products, we can work with you to find the answers, streamline your application and help provide the funds you need.


  • Find funding to allow a new operator to set up a production line – with no upfront costs

  • Help a small bakery double its production with new ovens and equipment

  • Source a lease arrangement to equip a ham smoker

  • Find the most competitive finance to provide delivery trucks for a cake manufacturer

  • Help arrange finance for an established brand ready to buy a complete turnkey factory

Discover our range of finances

Every type of finance for every type of business

Our goal is very simple - to help businesses find the right type of finance as quickly, transparently and painlessly as possible.

Helping you build your profits

  • Lending tailored to your business needs
    At Rangewell we can help you find the most appropriate finance for any funding need. We save you money and help you move your business forward.
  • Equipment funding scaled to your business
    Funding solutions are available whether you need individual items or a complete production line.
  • Supporting your development
    If yours is a new business it will face challenges in the early days. We can help you find the funding you need until your customer base is established and your cashflow secured.
  • Reducing risk with asset funding
    If your business was unable to make the payments on an asset funding deal, the lender could simply repossess the equipment to cover their loss. No other assets are at risk.
  • Helping you grow your business
    We can work with you to answer your changing finance needs as your business grows and develops.
  • Lenders who specialise in the sector
    At Rangewell, we can help you find the most appropriate lenders for your food processing operation.

Equipment Finance

Ebook tablet
Rangewell Ebook - Equipment Finance

Download your Rangewell Business e-Book

Available in ePub, mobi and .pdf format

By clicking "Get your copy now" you agree to Rangewell'sTerms and Conditions and Privacy Policy.

Our service is:


Transparent and independent, treating all lenders equally, finding the best deals.


Every type of finance for every type of business from the entire market - over 300 lenders.


Specialist Finance Experts support you every step of the way.


We make no charge of any kind when we help you find the loan you need.