Funding for manufacturing
that matches your production cycle
Buy materials, build product, ship, invoice, wait. Then do it all over again next week. Invoice finance turns the wait into same-day cash so production keeps moving without working capital becoming the bottleneck.
Production cash is always tight
Manufacturing has the longest working capital cycle of almost any business. You front the cost of raw materials. You carry the labour cost while the product is being built. You ship it. You invoice it. And then you wait 30 to 60 days for payment — while the next production run is already eating cash.
For most NZ manufacturers, the constraint on growth isn’t orders — it’s working capital. A new contract with a big customer can actually shrink your cash position before it grows it. Invoice finance closes that gap so the business that wins more orders doesn’t end up cash-poor.
We work with:
- Food and beverage producers
- Engineering and metalwork manufacturers
- Plastics, packaging and signage producers
- Specialty product and contract manufacturers
- Building product manufacturers
- OEM and wholesale-to-trade businesses
What changes with invoice finance
Materials & production funded
Up to 85% of an invoice the same day means the next production run is funded by the order just shipped — not next month’s collections.
SupplierPay options
Combine with our SupplierPay facility and we pay your suppliers promptly — often unlocking 2–5% early-payment discounts that more than offset the funding fee.
Funding scales with order book
Win a bigger contract? Your facility scales automatically with the receivables. No "we need to re-assess your limit" conversations every quarter.
Related
Working Capital — production cycles
Product details and how it fits your business.
Learn more →SupplierPay — raw materials
Product details and how it fits your business.
Learn more →How to read your aged receivables report
From our insights archive.
Read →5 cash flow mistakes that kill NZ SMEs
From our insights archive.
Read →Stop letting working capital cap your production
Send us a recent aged receivables report and a sense of your typical production cycle. We’ll come back with a quote built for your business.