Invoice Finance

Unlock cash tied up in unpaid invoices and improve cashflow without taking on traditional debt. We help established businesses access flexible invoice finance facilities from a wide panel of lenders.

Check Your Funding Options

What is Invoice Financing?

Invoice financing allows businesses to access funding secured against outstanding customer invoices. Instead of waiting 30–90 days for payment, businesses can release a large percentage of invoice value immediately.

This type of funding grows alongside your turnover, making it particularly suitable for businesses with strong sales but slow payment terms.
Invoice finance is commonly used by:

Manufacturers
Recruitment firms
Wholesalers
Transport and logistics companies
Business service providers

When Should You Use Invoice Finance?

Businesses typically consider invoice finance when:

Cashflow is restricted by long payment terms
Rapid growth is creating funding pressure
Large contracts require upfront costs
Overdraft limits are being reached
Cashflow fluctuates month to month

Invoice finance helps align cash inflow with business activity.

Types of Invoice Finance Available

Invoice Factoring
The lender manages the sales ledger and collections.

Invoice Discounting
Funding against invoices while you retain control of collections.

Selective Invoice Finance
Choose specific invoices to fund when required.

Confidential Invoice Discounting
Funding arranged without customers being notified.

Funding Amounts & Terms

Invoice finance facilities typically range from less than £25k to £20m+, depending on turnover and debtor quality.

We most commonly support businesses seeking £50k+ facilities, particularly those experiencing strong growth.

Typical facility features:

Funding up to 85–90% of invoice value
Facilities grow with your sales ledger
Ongoing revolving funding structure

How Quickly Can Funding Be Arranged?

Indicative terms can often be provided within a few days once your sales ledger and financial information are reviewed.

Typical completion times range from 2–4 weeks, depending on complexity and onboarding requirements.

How the Process Works

Review your sales ledger and funding requirement
Match your business with suitable lenders
Receive tailored funding proposals
Complete due diligence and onboarding
Begin releasing funds against invoices

Invoice Finance FAQs

This depends on the facility type. Confidential invoice discounting allows funding without notifying customers.

Most lenders require a minimum turnover and a diversified customer base.

Yes, some facilities allow selective funding of individual invoices.

Yes. It is often ideal for businesses experiencing rapid growth.