Business loans for product based businesses
Wednesday 10th September 2025
Last updated: 15th January 2026
-
Cash flow challenge: Product-based businesses often face high upfront costs for inventory, materials, and production long before customer payments arrive.
-
Perfect for: Manufacturers, ecommerce brands, and retailers looking for flexible finance to manage production costs, invest in stock, or expand operations.
Novuna helps product-based businesses access fast, flexible funding built around their production and sales cycles either through our award-winning in-house services or by comparing trusted lenders across the UK.
What are business loans for product-based businesses?
A business loan for product-based companies provides capital to help manage inventory, supply chains, and production expenses.
These loans are tailored to businesses that design, manufacture, or sell physical products whether wholesale, retail, or online.
Common uses include:
- Buying materials or inventory.
- Funding product development or manufacturing.
- Investing in production machinery or technology.
- Expanding warehouse capacity.
- Supporting marketing and logistics costs.
What is a cash flow loan?
A cash flow loan is a short-term funding solution based on your business’s performance and projected revenue rather than physical assets.
t’s particularly useful for small businesses that experience fluctuating cash cycles or delays in customer payments.
Key features include:
- Fast approval (often within 24–48 hours).
- Fixed or flexible repayment options.
- Available to both limited companies and sole traders.
- Suitable for any sector, from retail and manufacturing to professional services.
Cash flow loans are available in both secured and unsecured formats, depending on your business profile and funding requirements.
Types of finances available for product businesses
| Finance Type | Purpose | Funding Range | Best For |
| Unsecured business loans | Working capital or inventory | £10,000–£500,000 | Fast cash flow support |
| Asset finance | Purchase or lease machinery/equipment | £5,000–£1m | Manufacturers |
| Invoice finance | Release funds from unpaid invoices | Based on invoice value | B2B product suppliers |
|
Merchant cash advance |
Retail and ecommerce card sales | £5,000–£300,000 | Consumer product brands |
|
Working capital loans |
Cover short-term costs | £10,000–£250,000 | Seasonal stock purchases |
Benefits of business loans for product-based companies
- Smooth cash flow: Bridge the gap between production and payment.
- Fund growth: Scale up operations without relying on savings.
- Invest strategically: Finance machinery, logistics, or marketing.
- Quick access: Receive funding within 24–48 hours.
- No collateral (optional): Many unsecured options available.
Alternative finance options available
- Asset finance – fund new machinery or production tools.
- Invoice finance – bridge the gap between shipping and payment.
- Working capital loans – support daily operations.
- Merchant cash advances – flexible repayments based on sales volume.
These solutions work together to keep cash flowing across your full supply chain.
How Novuna Business Cash Flow can help
At Novuna, we specialise in funding for product-based industries from small e-commerce stores to large scale manufacturers. Speak to our experts today to help you make the right decision for your situation.