Invoice Finance: Stop Waiting 30, 60, 90 Days To Be Paid
Unlock up to 90% of the value of your unpaid invoices within 24 hours of raising them — and put an end to the gap between doing the work and banking the money.
Prefer to plan ahead? Book a call online or message us on WhatsApp.How invoice finance works for you
If you sell to other businesses on credit terms, your sales ledger is probably the biggest untapped asset you own. Invoice finance releases the cash sitting in unpaid invoices, so growth is funded by the sales you've already made rather than by overdrafts or directors' loans.
There are two main routes. Invoice discounting is confidential — you keep running your own credit control and your customers never know. Factoring adds a professional collections service, which suits businesses that would rather hand chasing payments to someone else. Selective facilities let you fund single invoices as and when you choose.
Facilities grow automatically with your turnover, which makes invoice finance one of the few funding lines that scales at exactly the pace your business does.
What clients fund with invoice finance
- Recruitment, logistics, wholesale and manufacturing
- Funding rapid growth without new debt
- Smoothing long payment terms from large customers
- Payroll certainty in labour-heavy businesses
- Replacing or topping up an overdraft
Why place it through us
Invoice finance pricing is notoriously opaque — service fees, discount charges and hidden extras vary enormously. We benchmark the whole market, negotiate the small print, and structure facilities for businesses with concentrated customer bases or contractual debt that many funders shy away from.
Every case begins with a conversation, not a form. Call 0800 6120759 or send us the outline and we'll respond within one working day.
Invoice Finance: frequently asked questions
Will my customers know I'm using invoice finance?
Only if you want them to. With confidential invoice discounting, you invoice and collect as normal and the facility is invisible to your customers. With factoring, the funder's team collects on your behalf — many businesses see that as a benefit rather than a drawback.
What does invoice finance cost?
Typically a service fee of around 0.2%–2.5% of turnover plus a discount charge (similar to interest) on the funds you draw. The right structure depends on your invoice volumes and debtor quality — we'll always show you the total annual cost, not just the headline rate.
Can I fund just one large invoice?
Yes. Selective (or spot) invoice finance lets you release cash against individual invoices as needed, with no ongoing contract. It's ideal if your cash flow pinch comes from one or two large customers rather than the whole ledger.