Invoice Finance & Factoring | Unlock Unpaid Invoices | £5,000 – £500,000+
Stop waiting 30, 60, or 90 days to get paid. Turn your outstanding B2B invoices into immediate working capital and keep your business moving forward without the "payment lag" stress. Whether you need a one-off advance on a single high-value invoice or a full facility that handles your entire sales ledger, we connect you with over 100 specialist lenders who understand the UK invoice finance market inside out.
As an FCA-authorised broker, we help you navigate the critical differences between Factoring, Discounting, and Selective Invoice Finance — so you choose the right structure for your business.
How UK Businesses Use Invoice Finance
Three powerful ways to turn your unpaid invoices into immediate cash flow.
Selective (Single) Invoice Finance
Need a one-off cash injection? Fund a specific high-value invoice without committing your whole sales ledger to a long-term contract. Ideal for project-based businesses — like construction firms or consultancies — that land occasional large contracts but don't want a full factoring facility running year-round.
Full Invoice Factoring
Let the lender handle your credit control and collections, freeing up your time to focus on growth while receiving up to 90% of your invoice value upfront. This is particularly popular with recruitment agencies, manufacturers, and wholesale distributors who raise high volumes of invoices each month and want the admin handled for them.
Confidential Invoice Discounting
Maintain your existing client relationships and credit control processes in-house. Your customers never need to know you're using finance — everything is handled behind the scenes. This is the preferred option for established businesses that value their brand reputation and don't want their customers contacted by a third party.
What You Need to Know Before Applying
Check the "Recourse" Clause
Always know if your facility is 'Recourse' (you're liable if the client doesn't pay) or 'Non-Recourse' (the lender absorbs the bad debt risk). Non-recourse costs more but offers total peace of mind — essentially acting as credit insurance built into your facility. For businesses trading with new or overseas clients, non-recourse can be worth the premium.
Don't Get "Ledger Locked"
If you only need occasional help, Selective Invoice Finance is your best friend. It's more expensive per-unit, but much cheaper overall than a full annual facility if you only use it two or three times a year. Some providers lock you into minimum volumes or long notice periods — we call this 'Ledger Lock.' Always check exit terms before committing to a full facility.
Use it for Growth, Not Just Survival
Use the immediate cash from a big invoice to buy stock for the next job immediately. It turns your turnover speed into a competitive advantage. The fastest-growing businesses we work with — particularly in construction and manufacturing — use invoice finance not as a lifeline, but as a strategic growth accelerator to take on larger contracts with confidence.
Eligibility Requirements
To qualify for our alternative business finance solutions, your business needs to meet these basic criteria
Quick Eligibility Check
UK Registered Company
Your business must be either a limited company, LLP, sole trader or partnership in the UK
Monthly Turnover £10k+
Minimum monthly turnover of £10,000 to qualify for funding
6+ Months Trading
At least 6 months of established trading history required
UK Resident Director
At least one director or shareholder must be a UK resident
Meet the criteria?
If your business meets these requirements, you could be eligible for funding despite bank declines
The UK's Trusted Broker for Invoice Finance
Hundreds of UK businesses have relied on us when they needed funding fast.
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Fully regulated for your peace of mind
100+ Lenders
We find the right match for your business
Common Questions About Invoice Finance
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