Invoice Finance for Medical & Healthcare Providers
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
Quick Decision with No Obligation
Release instant cash from unpaid invoices
Quick Decision with No Obligation
Healthcare invoice finance helps UK medical and healthcare providers unlock the cash tied up in unpaid business invoices, without waiting 30, 60, or even 90+ days for payment.
Instead of waiting for customers such as NHS trusts, local authorities, private healthcare organisations, or other businesses to settle invoices, you can release up to 95% of their value within as little as 24 hours.
Whether you're a healthcare recruitment agency, domiciliary care provider, medical supplier, or another healthcare business that invoices other organisations, invoice finance can improve cash flow while allowing you to continue delivering essential services.
Medical and healthcare providers often face long payment terms while still needing to cover staff wages, supplier invoices, medical equipment, insurance and other day-to-day operating costs. Delayed payments can put unnecessary pressure on cash flow, making it harder to take on new contracts or invest in growth.
Recent research found that UK healthcare businesses are owed an average of £15,467.89 in late payments, highlighting the cash flow challenges many businesses across the sector face. Rather than waiting weeks or months for customers to pay, invoice finance allows you to unlock the value of outstanding invoices and access working capital within as little as 24 hours.
Whether you're a healthcare recruitment agency, private healthcare provider, domiciliary care business or medical supplier, invoice finance provides flexible funding that grows alongside your sales, helping you maintain smooth operations and focus on delivering quality care.
Did you know? Over 1.5 million UK businesses are affected by late payments, with billions of pounds tied up in unpaid invoices. Invoice finance helps businesses unlock cash held in outstanding invoices, helping improve cash flow and reduce payment delays.
Healthcare invoice finance can support many businesses that provide goods or services to other organisations on credit terms, including:
Remember: Invoice finance is designed for business-to-business (B2B) invoices and is generally not suitable for invoices issued directly to private individuals.
Different healthcare businesses have different cash flow requirements, which is why several types of invoice finance are available. Whether you need ongoing funding, support managing customer payments, or finance against selected invoices, there may be an option to suit your business.
Invoice factoring allows you to release funds from unpaid invoices while the finance provider manages the collections process on your behalf. This can be useful for healthcare businesses that want to improve cash flow while reducing the time spent chasing payments.
Invoice discounting allows you to access funds tied up in outstanding invoices while keeping control of your own customer relationships and credit control processes. This is often suited to established healthcare businesses that want a confidential funding solution.
Selective invoice finance allows you to choose individual invoices to fund, rather than committing your entire sales ledger. This flexible option can be useful for healthcare providers that only need occasional access to working capital, such as when taking on a new contract or managing temporary cash flow gaps.
Healthcare invoice finance allows you to receive most of the value of your business invoices shortly after they're raised, rather than waiting for your customers to pay. Once payment is received, the remaining balance is released after agreed fees are deducted.
Once you've completed the agreed work or supplied healthcare services, submit your invoices to your invoice finance provider.
Within as little as 24 hours, you can receive up to 95% of the invoice value, giving you immediate working capital to support your business.
Once your customer pays the invoice, the remaining balance is released to you, less any agreed fees. Collections can either be managed by the provider or kept confidentially in-house.
Invoice finance can help a wide range of healthcare businesses that raise invoices to other organisations, including healthcare recruitment agencies, care providers, nursing agencies, private healthcare companies, medical suppliers and other B2B healthcare providers. It is designed for businesses that offer services or supply products on credit terms and are waiting for customers to pay.
Yes, many healthcare businesses use invoice finance against eligible invoices raised to NHS organisations, local authorities and other public sector bodies. It can help providers access funds sooner instead of waiting for standard payment terms to be completed.
Healthcare businesses can typically access up to 95% of the value of eligible outstanding invoices, often within 24–48 hours of approval. The amount available will depend on factors such as your invoices, customers, trading history and the finance provider's criteria.
To qualify, your business will typically need to be a UK-registered business providing goods or services to other organisations on credit terms. Providers will consider factors such as your invoices, customers and trading history. Eligibility criteria vary, so it’s worth comparing your options to find a suitable solution.
SME Invoice Finance is a specialist UK invoice finance comparison platform, helping businesses find suitable funding solutions quickly and simply.
Since 2014, we've worked with businesses of all sizes across the UK, connecting them with trusted invoice finance providers, including lenders that understand the unique funding requirements of the healthcare sector.
Our free online comparison service allows you to compare suitable invoice finance options in minutes, with no obligation to proceed. Whether you're looking for invoice factoring, invoice discounting, or selective invoice finance, we'll help you explore funding solutions tailored to your business.
As proud members of both the NACFB and the FSB, we're committed to helping UK businesses access transparent, competitive funding from established and reputable providers.
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Since 2014, we've helped many businesses, large and small, get access to the working capital they need through invoice financing.
Some of the funders we work with
