Acorn Commercial Desk · Manufacturing, Factories & Heavy Industrial
Bespoke commercial mortgages for Engineering Workshops, Food Production Plants, Metal Fabrication Units, and Advanced Manufacturing Hubs. Up to 75%–80% LTV for owner-occupiers plus integrated plant and machinery asset finance.
Prefer to talk? 0207 959 3882
Manufacturing Sector Funding
From Class B2 heavy engineering works to food-grade production plants, cleanroom assembly and yard-heavy workshops.
Machining facilities, structural steel fabricators, and heavy engineering plants.
Food processing, commercial bakeries, bottling plants, and micro-breweries.
Electronics assembly, medical device manufacturing, precision optics, and aerospace suppliers.
Plant hire depots, vehicle body builders, recycling centres, and timber yards.
Core Underwriting Drivers
Three levers drive factory pricing: site infrastructure, how the machinery is funded alongside the building, and the tax and energy profile of the asset.
Manufacturing sites rely heavily on infrastructure. Lenders evaluate available kVA power capacity, 3-phase electrical distribution, gas supply volume, and trade effluent discharge consents. High utility capacity increases re-letting and resale appeal.
Buying a factory often coincides with upgrading production lines. We package your commercial property mortgage alongside asset finance and hire purchase (HP) lines to fund CNC machines, packaging lines, and robotics under one managed facility.
Industrial plants offer significant Capital Allowance claims on integral building features (sub-stations, specialised HVAC, compressed air lines). We also structure green commercial loans for solar PV rooftop installations to lower operational overheads.
Interactive Tool
Model your maximum commercial mortgage, machinery HP line, combined capital package and total monthly repayment.
Borrower Type
Machinery lines sit alongside the mortgage for trading owner-occupiers — investors and pension schemes fund the property only, with equipment financed by the occupying business. Pension borrowing is capped at 50% of net fund value.
Owner-Occupier Manufacturing Co: mortgage over 20 years at an indicative 6.75% (£8,554/mo), plus machinery HP over 5 years at 8.50% (£6,463/mo). Capital value works out at £75 per sqft.
Request Factory Finance Pre-ApprovalIndicative illustration only. Manufacturing facilities require a specialist RICS valuation, environmental review and full lender underwrite. Actual LTVs, rates and terms depend on specification, utilities, planning use class, trading performance and borrower profile.
Acorn Finance is a specialist credit broker authorised and regulated by the FCA (#660207), not a tax advisory firm or accountant. Manufacturing property acquisitions, SIPP/SSAS commercial pension purchases, Capital Allowances on specialised plant and building fixtures, environmental remediation tax reliefs, and OpCo/PropCo corporate structures carry complex legal and tax implications. The information provided on this page is designed to highlight key structural concepts so you can lead an informed discussion with your qualified accountant or tax specialist.
Knowledge & Next Steps
Logistics hubs, multi-let estates and trade counter premises at up to 80% LTV.
How your pension can buy the factory and receive rent tax-free.
Replace rent with balance-sheet equity in your own production premises.
Garages, MOT stations, body shops and dealership finance.
Frequently Asked Questions