Invoice Finance

Turn unpaid invoices into instant working capital.

Waiting 30, 60, or even 90 days to get paid? Invoice finance lets you unlock up to 95% of your outstanding invoices — fast — so you can keep operations running smoothly without taking on new debt.

Ideal for B2B businesses offering payment terms, invoice finance bridges the cash flow gap and keeps your business moving forward.

What Is Invoice Finance?

Invoice finance (also known as invoice factoring or invoice discounting) is a funding solution where lenders advance cash based on your unpaid invoices. You get paid sooner — and only repay once your client settles the invoice.

There’s no need to wait for slow-paying customers or stretch your cash reserves.

How It Works

  1. Raise an Invoice
    You issue an invoice to your customer as usual.
  2. Get Paid Fast
    You receive up to 95% of the invoice value within 24–48 hours from the lender.
  3. Customer Pays Later
    When your customer pays, the lender deducts their fee and sends you the remainder.

Why Choose Invoice Finance?

✔️ No New Debt
It’s not a loan — you’re simply accessing cash you’ve already earned.

✔️ Fast, Flexible Funding
Get paid within days, not months. Perfect for growing businesses or cash flow crunches.

✔️ Scales With Your Sales
The more invoices you issue, the more funding you can access.

✔️ Confidential or Disclosed Options
Keep control or let the lender manage collections — your choice.

Who It’s For

We support UK-based businesses that:

  • Sell goods or services to other businesses (B2B)
  • Offer credit terms (e.g. net 30, net 60)
  • Experience cash flow pressure due to payment delays
  • Need funds to take on new orders or clients

Common industries: logistics, manufacturing, construction, wholesale, and recruitment.

Types of Invoice Finance

  • Invoice Factoring – Lender manages collections; ideal for smaller businesses.
  • Invoice Discounting – You manage collections; typically for more established companies.
  • Selective/Spot Factoring – Finance individual invoices without a long-term contract.