Invoice Finance
Release the cash sitting in your sales ledger as soon as you invoice, so payroll, suppliers and growth aren't held up by 30–90 day payment terms.
- One clear enquiry
- No obligation to proceed
- Costs explained upfront
At a glance
- Up to 90% of invoice value
- Advance
- Varies by lender
- Timing
- Grows with your turnover
- Facility
- Whole ledger or selected invoices
- Options
- B2B invoicing on credit terms
- Eligibility
- Usually the invoices themselves
- Security
Invoice Finance, explained
Invoice finance advances most of an invoice's value as soon as you raise it, rather than leaving that money tied up on your sales ledger. When your customer pays, you receive the balance, minus the lender's fee.
Because the facility is linked to your invoicing rather than a fixed loan amount, the funding available grows as your turnover does — with no new application each time you need cash.
Invoice Finance
Release up to 90% of the value of unpaid invoices within 24 hours, so you're not waiting on customer payment terms.
Invoice Factoring
Get paid as soon as you invoice while the lender manages credit control and collections on your behalf.
Selective Invoice Finance
Fund individual invoices as and when you choose, with no ongoing contract or whole-ledger commitment.
And more — if the facility you need isn't listed here, speak to a broker and we'll find the right solution.
Why businesses choose invoice finance
Practical outcomes, not finance jargon — here's what the right facility actually does for you.
Get paid when you invoice
Draw most of an invoice's value as soon as it's raised, instead of waiting out 30–90 day payment terms.
Funding that grows with you
The facility is tied to your sales ledger, so the more you invoice, the more working capital is available.
Credit control off your plate
With factoring, the lender chases payment and handles collections, freeing your team from running after customers.
Steadier cash flow
Predictable cash in the bank makes payroll, VAT bills and supplier terms far easier to plan around.
How it works
One enquiry, one broker, and a clear path from first call to funds in the bank.
- 1
Make an enquiry
Tell us what you need in one concise broker enquiry.
- 2
Speak with your broker
A dedicated expert calls to understand your business and what you want to achieve.
- 3
We compare lenders
Your broker approaches lenders from our panel where their criteria appear to fit.
- 4
Receive your options
Clear, side-by-side offers with every cost explained in plain English.
- 5
Funding completed
Review the available options, costs and next steps before deciding whether to proceed.
Broker enquiry · No obligation · Searches explained before you proceed
Is this right for your business?
Invoice Finance works hardest in situations like these.
Businesses with slow payers
Release cash the day you invoice, instead of waiting 30–90 days for customers to settle.
Recruitment & staffing agencies
Fund weekly contractor payroll while clients pay on 30, 60 or 90-day terms.
Wholesalers & manufacturers
Take on larger orders without your working capital being locked up in the sales ledger.
Don't see your situation?Talk it through with a broker— if this isn't the right product, we'll tell you what is.
Finance brokers who work for you, not the lender
Applying to lenders one by one can be time-consuming. We review your requirements and approach lenders from our panel where their criteria appear to fit, then explain the available options clearly.
A focused route to suitable options
We assess your circumstances and approach lenders from our panel where the published criteria appear to fit.
One enquiry, a panel of lenders
Your broker can compare potentially suitable options without asking you to repeat the same initial information lender by lender.
A dedicated broker, start to finish
You'll deal with one named expert who understands your business and handles the paperwork for you.
Clear before you proceed
Any fees, commission arrangements and lender credit searches will be explained before you choose whether to continue.
Invoice Finance questions, answered
The questions business owners ask us most about this type of funding.
How does invoice finance work — will my customers know?
The lender advances most of an invoice's value as soon as you raise it, and releases the balance (minus their fee) when your customer pays. With invoice discounting you keep control of collections and customers needn't know; with factoring the lender manages credit control, which many businesses prefer.
What's the difference between factoring and invoice discounting?
Both advance cash against unpaid invoices. With factoring, the lender takes over credit control and collects payment from your customers directly. With discounting, you carry on invoicing and chasing as normal, and the arrangement can stay confidential. Factoring suits businesses that would rather hand over collections; discounting suits those with an established credit control function.
Do I have to fund my whole sales ledger?
No. Selective invoice finance lets you pick individual invoices to fund as and when you need to, with no whole-ledger commitment or ongoing contract. It usually costs more per invoice than a full facility, so it works best for occasional cash flow gaps rather than continuous funding.
What does invoice finance cost?
Charges typically have two parts: a service fee covering the running of the facility, and a discount charge on the funds you actually draw, calculated like interest for the days the money is outstanding. Your broker will set out the total cost in cash terms before you commit, so you can compare it against the value of being paid sooner.
Can a new or smaller business use invoice finance?
Often yes. Lenders look closely at the strength of your customers as well as your own trading history, so invoicing established businesses on credit terms matters more than a long track record. It's generally only available for business-to-business invoicing, not sales to consumers.
What happens if my customer doesn't pay?
That depends on whether the facility is recourse or non-recourse. Under a recourse facility, an unpaid invoice is repaid back to the lender after an agreed period. Non-recourse facilities include bad debt protection so the lender absorbs the loss, for a higher fee. Your broker will explain which applies before you sign.
Still have questions?Speak to a broker— it's free and there's no obligation.
Ready to move your business forward?
Send one clear funding enquiry or contact a broker to talk through what your business needs. There is no obligation to proceed.
Broker enquiry · No obligation · Options explained before you proceed