Invoice finance for UK businesses
Turn unpaid invoices into cash in days.
The work is done. Your cash shouldn't have to wait.
We arrange funding against invoices you have already issued, up to 90% of their value, typically live within days. One short application, soft checks only, no impact on your credit score.
Two minutes · Soft checks only · Free to use
How invoice finance works.
You have already done the work and issued the invoice. Invoice finance simply moves the payment forward.
a month in B2B invoices on 30 to 60 day payment terms. The work is delivered, the money is earned.
released against those invoices, up to 85% of their value, paid straight into your account.
as new invoices go out, the facility rolls with them. Funding grows with your sales, not with new applications.
your customers keep their normal terms and pay the invoice as agreed. You receive the balance, less the agreed fee.
Figures are illustrative: £85,000 of monthly invoicing at an 85% advance rate. Your advance rate and fee depend on your book and the facility.
Who you invoice, on what terms, and roughly what is outstanding. Two minutes, soft checks only.
We match your book with the funding partner whose criteria actually fit it, and manage the introduction.
Advance rates of up to 90% of invoice value, typically live within days, then rolling as you issue new invoices.
How it plays out, in the real world.
Three businesses, three squeezes, three facilities. Details anonymised, figures rounded to typical UK ranges.
Case study · Haulage
The haulier who stopped financing his shippers.
Case study · Manufacturing
The joinery that stopped paying for timber twice as fast as it got paid.
Case study · Construction
The subcontractor who stopped waiting on the main contractor.
Case study · Recruitment at scale
The staffing group that took on national contracts without new capital.
Case study · Distribution
The distributor who funded retail terms without touching the margin.
Case study · Logistics group
The forty-truck group that swapped its overdraft for a facility that scales.
The two-minute check
Start it right here.
Five questions, soft checks only, no documents. You will know what your book could release before your coffee goes cold.
Free to use · No impact on your credit score
Invoice finance, without the parts people hate.
Most complaints about invoice finance are not about the product. They are about how it gets sold. We arrange facilities the straightforward way.
The facility cost is set out before you sign. No surprise audit fees, CHAPS charges or renewal fees buried in page nine.
We favour facilities without multi-year auto-renewing contracts, so the arrangement keeps earning its place.
A personal guarantee is a decision, not a default. Where the book supports it, facilities are arranged without one.
Confidential options mean your customers keep dealing with you, not a collections desk.
A concentrated book is a fact, not a flaw. We match you with partners who can live with your largest customer.
Factoring and invoice discounting suit different ledgers. We match the structure to how your business actually trades.
Frequently asked questions.
Nothing. We are brokers: the funding partner pays us a commission if a facility completes, and that commission does not change your terms. You never pay us a fee.
No. The two-minute check uses soft searches only. A full credit assessment only happens later, with your permission, once a funding partner takes the case forward.
Typically within days of the introduction, depending on the funding partner and how quickly documents move. Several of the businesses we work with saw first funds inside a week.
Only if you choose a disclosed product. Confidential invoice discounting keeps the facility invisible to your customers: you keep collecting under your own name, exactly as before.
Very often these facilities run without one, because the invoices themselves are the main basis of the funding. It does come down to the specific case, and the funding partner confirms any security requirements before anything is agreed.
UK limited companies, LLPs and plcs that invoice other businesses on payment terms. There is no minimum trading history beyond an active registration, and a concentrated customer base is fine.