Check if you qualify for invoice finance in minutes
Unlock cash tied up in unpaid invoices and improve business cash flow instantly. With flexible funding from £1,000 to £1 million, invoice finance helps you release working capital without waiting for customers to pay.
- Apply in minutes with a simple online form
- Fast decision – typically within 24 hours
- Access funds against your outstanding invoices
No impact on your credit score
What Is Invoice Finance?
Invoice finance is a form of business funding that allows companies to raise money against unpaid sales invoices. Instead of waiting for customers to pay, a lender advances most of the invoice value upfront, helping the business maintain cash flow and fund growth.
How Invoice Finance Works
Invoice finance is a form of business funding that allows companies to raise money against unpaid sales invoices. Instead of waiting for customers to pay, a lender advances most of the invoice value upfront.
Step 1: Your business issues an invoice
You deliver goods or services and send an invoice to your customer on agreed payment terms, often 30, 60 or 90 days.
Step 2: The invoice is reviewed
The lender assesses the invoice and the strength of the customer who owes the money. In invoice finance, the quality of the debtor often matters as much as the borrower.
Step 3: You receive an advance
The lender can typically release 70% to 90% of the invoice value upfront, giving the business access to working capital much sooner.
Step 4: The customer pays
When the customer settles the invoice, the finance provider receives the payment or the business collects it, depending on the facility type.
Step 5: The balance is released
Once the invoice is paid, the remaining balance is released to the business after fees are deducted.
Types of Invoice Finance
Choose the facility that best aligns with your business goals and operational needs.
Invoice Factoring
A facility where the lender advances funds against invoices and usually manages collections and credit control on your behalf.
Growing businesses, smaller firms, and companies that want support with collections.
Invoice Discounting
Allows a business to raise money against unpaid invoices while keeping control of its own sales ledger and customer relationships.
More established businesses that want a confidential funding arrangement.
Selective Invoice Finance
Allows a company to fund chosen invoices rather than the entire sales ledger, offering greater flexibility.
Businesses with occasional gaps in cash flow or project-led invoicing.
Spot Factoring
Used to finance a single invoice or one-off invoice batch without committing to a long-term arrangement.
Companies that need occasional short-term working capital.
Who It Is For
Specialist funding for sectors with complex cash flow cycles.
Recruitment
Pay staff weekly while waiting for clients.
Construction
Bridge the gap on extended payment terms.
Manufacturing
Buy materials before payment arrives.
Logistics
Cover fuel and wages ahead of settlement.
Benefits of Invoice Finance
Access cash faster
Turn unpaid invoices into usable cash without waiting for long payment terms to expire.
Support payroll
Better cash flow can make it easier to cover operating costs and maintain stability.
Take on larger contracts
Businesses may be able to accept more work when funding is not held back by customer payment delays.
Frequently Asked Questions
Everything you need to know about invoice-based funding.
Invoice finance is not the same as a traditional loan. It is funding secured against unpaid invoices, making it more flexible and tied to your sales volume.
Get an Invoice Finance Quote
If your business needs faster access to cash tied up in unpaid invoices, submit this fast enquiry and we will match you with suitable invoice finance providers.