Business enquiries only. This page describes finance introductions available to UK limited companies, LLPs, trading partnerships, sole traders and individual portfolio landlords or property investors borrowing £25,000 or more strictly for business purposes. We do not arrange finance for consumers. If you are borrowing for personal use, please contact an FCA-authorised firm.

Business Finance

Invoice Finance

Stop waiting 30, 60 or 90 days for customers to pay. Release up to 90% of your unpaid invoice value within 24 hours. Bad credit considered — your debtors' quality matters more than your credit history.

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70–90%Advance rate on invoices

24 hrsFunding after invoice raised

£50k+Min annual invoicing

B2B onlyEligibility requirement

What is invoice finance?

Invoice finance allows businesses to borrow money against the value of their outstanding sales invoices. Rather than waiting 30, 60 or 90 days for customers to pay, you access most of the invoice value immediately — with the balance (minus fees) released when your customer pays.

Invoice factoring

The lender purchases your invoices and manages your sales ledger — chasing payment from customers directly. More visible to customers but includes full credit control service.

Invoice discounting

You retain control of your sales ledger and customer relationships. The facility is typically confidential — customers are unaware of the arrangement.

Selective invoice finance

Fund individual invoices rather than your whole ledger. Useful for businesses that only occasionally need cash flow support, or for a single large invoice.

Trade finance

Covers the gap between paying suppliers and receiving payment from customers — particularly useful for import/export businesses.

How invoice finance costs work

Example scenario: £100,000 invoice | 85% advance = £85,000 released day 1 | Customer pays after 45 days | Finance cost is calculated on the advance amount for the funding period | Service charge based on turnover | Net proceeds after fees depend on the facility terms agreed with the lender. Indicative pricing is provided at enquiry stage based on your debtor ledger, turnover, and credit profile. Compare the financing cost to the cost of missing a supplier payment or payroll.

Who is invoice finance suitable for?

Invoice finance is exclusively for B2B businesses (businesses that invoice other businesses on credit terms). It is not suitable for B2C businesses or businesses that take payment at the point of sale. It is particularly valuable for businesses experiencing rapid growth, seasonal cash flow gaps, or those with customers who have long payment terms.

Invoice finance can grow with your business — the facility limit increases as your invoice value grows, unlike a fixed-term loan that may quickly become insufficient as turnover scales.

Can I get invoice finance with adverse credit?

Yes. Invoice finance providers are effectively buying your debtors' promises to pay — assessing the quality of the businesses that owe you money, not primarily your own credit history. An IVA active on a director's file has minimal bearing on whether your customer will pay an outstanding invoice. This makes invoice finance one of the most accessible products for adverse credit businesses.

Invoice finance FAQs

Common questions

Once a facility is set up (typically 1–2 weeks to establish), funds from new invoices can be released within 24 hours of submission. The setup process involves a review of your sales ledger and a sample of your customer relationships.

Typically 70–90% of the invoice face value is released immediately, with the balance (minus fees) released when your customer pays. Some providers advance 80–95% in competitive markets with strong debtor quality.

Invoice discounting is typically confidential — your customers are unaware. Invoice factoring involves the provider's collections team contacting your customers for payment, which some businesses prefer to manage themselves. Many businesses find factoring removes an admin burden rather than creating one.

With recourse factoring, you bear the risk if a customer doesn't pay — the advance must be repaid. Non-recourse factoring protects you against customer bad debts (up to agreed limits) but typically costs more. Credit insurance on your debtor book can complement either structure.

Invoice finance is sometimes accessible during an active IVA because it is structured as a sale of an asset (your invoices) rather than borrowing. Your IVA supervisor's consent must always be obtained first. We can help you understand whether this is viable for your specific IVA terms.

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