SME Invoice Finance

Release instant cash from unpaid invoices

  • Receive up to 95% of invoice value
  • Sell single or multiple invoices
  • Fast, stress-free funding in 24 hours
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Proud to support Britain's Businesses

Free up your cash flow with invoice finance

Open up to a new world of stress-free cash flow with invoice finance. By converting your invoices into cash, you will have a more efficient cash flow system enabling you to trade without the constraints of slow-paced debtors.

Receive up to 95% of the value of your sales invoices

Receive up to 95% of the value of your sales invoices

By unlocking cash within your business invoices, you can release large amounts of money upfront.

Flexible - Sell single or multiple invoices

Sell single or multiple invoices

Whether you want to use a single invoice or your full sales ledger, we have a flexible finance solution to suit your business.

Fast funding in 24 hours

Fast funding in 24 hours

Get the money in your account within 24 hours after approval.

Improve your business cash flow

Improve cash flow

Invoice finance frees up your money almost instantly. You don't have to wait weeks or months for clients to pay.

Confidential service

Confidential service

A confidential discounting service is available, meaning your clients won’t see any difference to your service.

No hassle of chasing late payments

No hassle of chasing payments

Free up time to manage your business utilising sales ledger management & debt collection processes.

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Some of the funders we work with

Bibby Financial Services
Close Brothers Invoice Finance
Advantedge Commercial Finance
GapCap
Market Finance
Ultimate Finance

How does invoice finance work?

An invoice finance facility gives your SME business the immediate working capital it needs by simply selling raised, unpaid invoices in return for a lower cash value. These facilities can be tailored to your needs, with the option to retain or outsource full control of your sales ledger and relationships with your customers.

1
Invoice your clients as usual

Sell your products or services to business customers as usual and issue invoices with a 30 to 90-day payment term.

Invoice Finance Step 1 - Invoice your clients as usual
Invoice Finance Step 2 - Choose invoices to sell

2
Choose invoices to sell

Once your facility is set up, you can choose one invoice, multiple invoices or your full sales ledger to release cash against. The invoice financier will simply 'buy' the debt that is owed by your customer.

3
Receive up to 95% upfront

Receive an invoice advance up to 95% of the value of your sales invoices in 24 hours.

Example: If you have a £10,000 invoice, you could get up to £9,500 upfront to help improve your businesses cash flow.
Invoice Finance Step 3 - Receive  up to 95% upfront
Invoice Finance Step 4 - Customer pays the invoice

4
Customer pays the invoice

When the invoice is due, the client pays the invoice to the invoice finance providers account.

Depending on the facility you have chosen, the provider can manage the sales ledger, credit control and chasing customer payments on your behalf, or it can remain with you.

Compare Facilities

5
Receive final balance

You will then receive the remaining balance, minus any fees and charges agreed with the invoice finance provider.

Invoice Finance Step 5 - Receive final balance

Get your free, tailored, no-obligation quote today

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The types of invoice finance

There are different variations of invoice finance that are designed to meet different business requirements. The two most popular types of SME invoice finance are invoice discounting, in which the business retains management of its sales ledger in a confidential arrangement, and invoice factoring, that hands over credit control to the finance provider, who will collect on payments from debtors.

Let's compare them...

Discounting Factoring
Can I release up to 95% in 24 hours?

Are credit control services provided?

The provider manages sales ledger and invoice collection on your behalf.

Is it confidential?

Confidentiality means that customers will not know you are using a facility.

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Fast invoice financing for UK businesses

Unlike many other business finance products on the market, invoice financing delivers the funds quickly, in as little as 24 hours after approval.

Working with many types of businesses from small start-ups to larger, established corporate enterprises, we have an SME invoice finance solution that can be tailored to your specific requirements.

  • Quick setup and easy process
  • Improves your cash flow
  • Straightforward costs
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SME invoice finance team
We help support UK businesses grow

Proud to support Britain's Businesses

Since 2014, we've helped many businesses, large and small, get access to the working capital they need through invoice financing.

42,000+
SME's use invoice finance to help with growth*

£22 billion
Total amount funded to businesses across the UK*

£310 billion
Supporting a combined total business turnover per year*

*According to UK Finance statistics for the full calendar year to 31st December 2017.

Invoice finance will suit the majority of UK SME sectors

We can help any UK business that invoices other companies on credit terms for the goods and services that they provide.

Get your free, tailored, no-obligation quote today

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Members of the national association of commercial finance brokers (NACFB)
We help support UK businesses grow
Members of The Federation of Small Businesses
Cyber Essentials Accredited