Check if you qualify for invoice finance in minutes
Unlock cash tied up in unpaid invoices without waiting 30, 60 or 90 days.
We match UK businesses with trusted invoice finance providers — fast.
👉 Get a free quote | No obligation | No impact on credit score
What Is Invoice Finance?
Invoice finance allows UK businesses to release cash from unpaid invoices.
Instead of waiting for customers to pay, a lender advances up to 90% of the invoice value upfront.
It’s widely used across sectors like:
- Construction
- Recruitment
- Manufacturing
- Logistics
How to Get Invoice Finance (Step-by-Step)
1 Issue an invoice
You provide goods or services and invoice your customer on standard terms (30–90 days).
2 Apply for funding
Submit a short enquiry outlining:
- Funding required
- Business type
- Customer profile
3 Lender assessment
The lender reviews:
- Your customers (debtor quality is key)
- Invoice value
- Trading history
4 Receive an advance
Up to 70–90% of the invoice value is released — often within 24–48 hours.
5 Customer pays the invoice
Depending on the facility:
- The lender collects payment (factoring)
- You collect payment (discounting)
6 Final balance released
The remaining balance is paid to you, minus fees.
Who Qualifies for Invoice Finance?
Most UK businesses qualify if they:
- Sell to other businesses (B2B)
- Issue invoices with payment terms
- Have reliable customers
- Need £10k+ funding
👉 Profitability is less important than customer quality
What Lenders Look for (UK Reality)
Most lenders won’t say this publicly, but approval typically comes down to:
- Your customer’s credit strength (not yours)
- Invoice size (usually £500+ per invoice)
- Industry risk (construction is common, hospitality is harder)
- Payment history consistency
Common reasons applications are rejected
- Customers with poor credit ratings
- Disputed invoices
- Too many small invoices
- B2C (consumer) businesses
👉 If your customers are strong, approval rates are high — even if your business is new.
Example: Construction Business Using Invoice Finance
A UK subcontractor invoices £50,000 monthly on 60-day terms.
Instead of waiting:
- Receives ~£40,000 within 48 hours
- Uses cash to pay staff and take on new jobs
Result:
- Faster growth
- No cashflow gaps
Why Use an Invoice Finance Broker?
Going direct to one lender limits your options. Using a broker gives you:
Access to multiple lenders
Compare options across the UK market.
Better rates and terms
Lenders compete for your business.
Faster approvals
We match you with the right provider first time.
Sector expertise
Different lenders specialise in different industries.
Invoice Finance Options Explained
Invoice Factoring
- Lender advances funds
- Lender manages collections
👉 Best for smaller or growing businesses
Invoice Discounting
- You retain control of collections
- Confidential facility
👉 Best for established businesses
Selective Invoice Finance
- Fund individual invoices only
👉 Best for flexible, short-term funding
How Quickly Can You Get Invoice Finance?
- Decision: often within 24 hours
- Funding: typically within 48 hours
Speed depends on:
- Quality of invoices
- Customer strength
- Documentation readiness
How Much Does Invoice Finance Cost in the UK?
Typical costs include:
- Service fee: 0.5% – 3% of invoice value
- Discount rate: 1.5% – 5% above base rate
Costs depend on:
- Volume
- Risk
- Industry
- Customer quality
👉 Strong debtors = lower rates
Common Questions
Is invoice finance a loan?
No — it’s funding secured against your invoices.
Do customers know?
Only with factoring. Discounting is confidential.
Can startups apply?
Sometimes — depends on invoice quality and customers.
Get Matched with the Right Invoice Finance Provider
We connect UK businesses with independent invoice finance brokers and lenders. See how it works to learn more.
👉 Compare options👉 Get a fast decision👉 Unlock working capital quickly