Invoice finance & factoring: Get paid when you invoice, not 60 days later.
If customers take 60 or 90 days to pay but wages go out every week, the problem is timing, not profit. Invoice finance pays you most of the money on each invoice, often the day you send it.
- Paid up front
- Up to 90%
- Lenders on our panel
- 90+
The deal
What you get.
The usual terms. Every lender sets its own.
- Invoice discounting, where you collect payment as normal, or factoring, where the lender collects it for you
- Single invoices funded on their own, if you only need it now and then
- Grows with your sales, with no renegotiating each time you win work
Where it fits
Businesses it suits.
A few examples. If yours isn’t here, ask us.
- Recruitment and labour supply
- Haulage and logistics
- Manufacturing and wholesale
- Construction, through specialist lenders
- Print and packaging
- Professional services on retainer
How it works
From first call to funds in three steps.
- A five-minute call What you need to fund, roughly how much and a little about you or the business. No paperwork up front. Day one
- We search the market We go to the lenders on our panel most likely to say yes, and bring back their early quotes side by side. Usually same day
- Set up and get paid Choose a facility and we handle the application. Once it’s set up, the lender pays against each invoice you raise. Up and running in 1–3 weeks
Questions
Straight answers.
Something we haven’t covered? Ring us. You’ll get a plain answer from someone who knows the lenders, not a script.
Not with invoice discounting, which is confidential. With factoring they will, as the lender collects payment from them. Some businesses prefer that: it saves them chasing.
When your customer pays. The lender keeps what it paid you, plus its charges, and passes the balance on to you.
Usually two charges: a service fee, set as a share of your sales, and a charge like interest on the money you draw. We compare both across lenders, because a low headline rate can hide a high fee.
Funding routes
Not the right fit? Other funding we arrange.
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A machine, van or lorry: asset finance
Asset finance £5k–£10m · 1–7 years
New or used, with the cost spread over its working life.
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A car for you or the business: car finance
Car finance From £5k · 1–7 years
Own it at the end, or drive it for a few years and hand it back.
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Cashflow, a tax bill or a one-off cost: business loans
Business loans £1k–£500k · 3 months–6 years
A loan over months or years, or cash from equipment you own.
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Business premises: commercial mortgages
Commercial mortgages £50k–£10m+ · up to 25 years
For limited companies and partnerships of four or more partners.
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A brand-new business: new start finance
New start finance Little or no trading history
Your first van, machine or the cash to get going.
Find out where you stand.
One short conversation with a whole of market broker, not tied to any lender. No fee to you, and no obligation.
Get a quote