Describe the need
Start with the amount, purpose and timing, plus any relevant asset, invoices or existing agreement.
Industry finance routes
Commercial finance for UK industries
Direct answer: the useful starting route depends less on an industry label and more on what the business needs—funding working capital or growth, buying an asset, reviewing value in an existing asset or managing eligible business invoices. Sector context helps explain the purpose, repayment case, how an asset earns revenue or why a payment gap exists.
NBS Finance is a commercial finance broker and introducer, not a lender. A provider assesses the business, purpose, affordability and any relevant asset, security or invoices before setting any available terms.
Find your industry starting point
Open the closest card for common requirements and useful routes. These are starting points, not eligibility decisions.
Haulage and logistics
Business loans may support working capital, depots or growth plans. Trucks, trailers and vans can point to commercial vehicle finance. Owned fleet value may suggest asset refinance, while eligible trade invoices may suggest invoice finance.
Construction and M&E
Working-capital funding may be relevant to contract mobilisation, wages or materials. Plant, access equipment and vans may fit asset routes. Applications, certificates, retention and notices can require specialist construction invoice finance.
Plant hire
A growth-finance discussion may start with a depot, acquisition or broader expansion plan. New or used fleet purchases may fit plant and machinery finance. Existing owned equipment may support a separate refinance discussion.
Manufacturing and engineering
Working-capital or growth funding may support stock, contracts, people or capacity. Production, CNC, fabrication and material-handling equipment may fit machinery finance. Owned equipment or eligible B2B invoices can point to other routes.
Recruitment
A defined hiring, systems or general cash-flow need may point towards a business-loan route. The gap between worker payroll and client payment may point to recruitment invoice finance, subject to invoices, timesheets, clients and provider assessment.
Other UK businesses
Start with the outcome: working capital or growth, a specific asset, an existing agreement or eligible business invoices. The requirement does not need to fit a sector label before you enquire.
Start with the business need
| What the business needs | Route to explore | Useful first details |
|---|---|---|
| Fund working capital, stock, tax, a contract or growth | Business loans | Amount, purpose, timing, trading history, turnover and existing commitments |
| Buy a truck, van or specialist vehicle | Commercial vehicle finance | Vehicle, seller, price, age, mileage and deposit |
| Buy plant, machinery or equipment | Plant and machinery finance | Quotation, specification, condition and use |
| Review value in an existing asset | Asset refinance | Ownership, existing finance, condition and purpose |
| Manage eligible B2B invoice timing | Invoice finance | Turnover, customers, ageing, terms and disputes |
How sector context helps
Add industry context
Explain how the asset will be used, how customers pay and any contracts, payroll cycles or seasonal factors.
Provider assessment
Where an appropriate route is identified, a provider completes its own business, affordability, security, asset or debtor checks as relevant.
Industry finance questions
What if my industry is not listed?
You can still describe the requirement. The important starting facts are what the business needs to fund and how that asset or cash-flow route supports trading.
Does being in a listed industry mean the business is eligible?
No. Provider assessment can include the business, affordability, asset, seller, invoices, customers and supporting information.
What if the business has more than one requirement?
List each requirement separately—for example working capital, a vehicle purchase and an invoice timing gap—so the possible routes can be considered clearly.
Prepare quickly
Use the commercial finance guides
Compare routes, documents and practical questions before starting the enquiry.
Tell us what the business needs
Choose the closest route or select “not sure” in the enquiry where an exact answer is unavailable.