Commercial Finance

Invoice Finance โ€” unlock your cashflow

Stop waiting 30, 60 or 90 days for customers to pay. Release up to 90% of the value of outstanding invoices within 24 hours and keep your business moving.

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Up to 90%
Of invoice value
24 hours
Typical funding speed
ยฃ50k+
Typical minimum turnover
From 0.5%
Discount rate

What is invoice finance?

Invoice finance is a funding solution that lets businesses borrow against the value of their unpaid invoices. Rather than waiting weeks or months for customers to pay, you receive up to 90% of the invoice value almost immediately โ€” with the balance (minus fees) paid when your customer settles.

It's particularly powerful for B2B businesses with strong sales but stretched cash flow due to long payment terms.

Invoice factoring vs invoice discounting

Invoice Factoring

The finance provider takes over your sales ledger and manages credit control on your behalf. Customers pay the lender directly. Suitable for businesses without a dedicated credit control function. Your customers will be aware you use a finance provider.

Invoice Discounting

You retain control of your sales ledger and credit control. The facility is confidential โ€” your customers don't know you're using it. Usually available to businesses with higher turnover and an established credit control process.

Selective / Spot Invoice Finance

Finance individual invoices rather than the whole ledger. More flexible but typically higher cost per invoice. Ideal for businesses with occasional cash flow gaps rather than a structural need.

Who is invoice finance right for?

  • โ†’ B2B businesses invoicing other businesses (not consumers)
  • โ†’ Companies with 30โ€“120 day payment terms
  • โ†’ Growing businesses needing working capital to fulfil more orders
  • โ†’ Recruitment, staffing and professional services firms
  • โ†’ Manufacturers, wholesalers and distributors
  • โ†’ Businesses experiencing rapid growth outpacing cash flow
Expert View

"Invoice finance pricing is complex โ€” discount rates, service charges, minimum fees and concentration limits all vary significantly between providers. We regularly find clients paying 40โ€“60% more than necessary simply because they accepted the first quote. Getting whole-of-market advice here genuinely pays."

Get Expert Help

Share your monthly invoicing volumes and we'll identify the most cost-effective solution for your business.

Speak to a Specialist โ†’ ๐Ÿ“ž 01392 241669
No obligation. We'll come back to you with clear options โ€” usually within the same working day.
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Our Lender Panel

We work with 30+ invoice finance providers โ€” from high street banks to specialist independents. See who's on our panel and what makes each one different.

View our lender panel โ†’
Our Panel

30+ invoice finance lenders โ€” one conversation

From major banks to specialist independents and fintechs โ€” we've profiled each lender so we can match you to the right one first time.

ABN AMRO
Up to 95% ยท European reach
Bibby Financial Services
Up to 100% ยท Construction specialist
Close Brothers
Up to 100% ยท Real-time transactions
eCapital
Broad appetite ยท Funds new starts
Paragon Bank
Up to 95% ยท MBOs & turnarounds
Skipton Business Finance
Known for exceptional service
4Syte
Award-winning ยท Construction
+ 25 more lenders
Including Lloyds, Aldermore, Kriya, Museโ€ฆ
View Full Lender Panel โ†’

Ready to unlock your invoices?

We'll compare invoice finance providers across the whole market and find the most cost-effective solution for your turnover and payment terms.