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A UK independent invoice finance broker with access to all products in the market

Online since 2004, we're a name that you can trust

The navigation buttons on the left show you which products are available for business users and which are available for individuals.

The contact form to request free advice and a no obligation quote is at the bottom of this page.

All quotations for invoice finance are provided to you free of charge and on a no-obligation basis - there is no pressure, make your decision in your own time.

What is invoice finance?

Invoice financing is a general term used whenever a third party agrees to buy your unpaid invoices for a fee, it is used to release funds to a business, thus helping your cash flow position. The third party will give you a large percentage of the invoice value when you first give it to them and then they give you the rest, minus their commission once the invoice has been settled by your debtor.

If your business is highly profitable, but cash flow is a struggle due to long invoicing terms, then there is a good chance that invoice finance is for you. Boosting the cash flow of a business can produce significant benefits, as long as you’re not using all of the profit to achieve it.

Invoice factoring is suitable for any business that makes a large part of its sales via B2B sales invoicing customers with 30, 60, 90 etc day payment terms. Invoice factoring is popular in the following industries:-

  • Printing
  • Security firms
  • Manufacturing
  • Engineering
  • Recruitment
  • Wholesale
  • Transport
  • Logistics
  • Shipping
  • Construction
  • Freight
  • Advertising, Media and Marketing
  • International Trade or Import and Export

Why use a broker?

A broker will aim to understand your business and your financial requirements; why you require the finance and what you need your factoring facility to achieve, which allow a broker to provide an excellent service which will save you both time and money. A broker will be experienced, independent, have knowledge on all available products from lenders across the market plus how the various lenders operate and so can provide an unbiased opinion on the best product for your circumstances.

The different types of invoice finance

This can be broken down into 3 different products:-

Invoice factoring

Invoice Factoring is a commercial finance product that can be used to raise money for a business using their outstanding invoices. It is designed to improve cash flow by releasing funds from the debtor book.

A set percentage of the invoice is released to your company immediately by the lender. The remainder is then released when the invoice is paid, minus an agreed percentage which is paid to the lender.

Invoice factoring is designed for companies which are either smaller or do not have robust credit control systems in place. When taking out a factoring facility, the lender will take over credit control.

As a result of the lender’s role in credit control the facility is, by nature, ‘disclosed’. That means your customer will be aware of the fact you’re using a factoring facility.

Invoice factoring – how does it work?

  1. You send your invoice to clients and copy in your lender. The invoice usually dictates payment to an account other than your main bank, usually a lender controlled account that is used specifically for factoring.
  2. Once the invoice is paid, your lender will let you know and the remainder of the funds due to you are released.
  3. The lender will then release the funds to you, usually the same day or within 24 hours.
  4. The payment is chased for you, meaning you can focus on delivering the next order, without worrying about payment.

Selective invoice finance

Selective invoice discounting and spot factoring provide your business with fast and straightforward finance, without having to fund your entire debtor book. It is traditionally used to fund all or at least some invoices on an ongoing basis.

How Does it Work?

Selective invoice discounting is an excellent solution for businesses with unpredictable cash flow. You chooses not only which customers that you wish to factor, but also which of those customers’ invoices to factor and when. Unlike traditional invoice finance facilities, the agreement does not cover all of your invoices meaning that you retain more control.

This kind of facility, once agreed, can usually be used over and over again, as needed. Where there are seasonal fluctuations or growing pains causing occasional cash flow issues, this can be very useful to a business.

Selective invoice discounting providers will usually allow you to release up to 85% of the value of your invoice, for debts that are almost certain to be paid – ie strong debts, the percentage may increase up to 90% if needed.

Selective Invoice Finance Process

  1. The invoice that you need to fund is agreed with the lender.
  2. Once approved, they will require a copy, along with any supporting documents.
  3. The cash will be advanced at the agreed rate, minus the agreed charge for funds.
  4. Once the invoice is settled, you will receive the balance due to you.

Invoice discounting

Invoice discounting tends to be most suited to larger firms and is designed to fund their entire debtor ledger. Facilities are often set up on a confidential basis, meaning customers are unaware that it is being used. Invoice discounting facilities allows you to handle your own credit control, meaning that you continue to deal with your creditors. This can be important when trying to maintain a strong relationship, or when carefully managing a slight payment issue.

If you give your clients credit terms and have established credit control procedures in place, then invoice discounting could be for you. If cash flow holds back your otherwise profitable business then you could benefit by investigating invoice finance.

Companies with a turnover in excess of £250,000 tend to be most suited to confidential invoice discounting. Smaller companies may not have robust credit control systems in place and so may benefit more from invoice factoring.

By receiving payment almost as soon as your invoice is raised, everything from payroll to paying suppliers becomes simple. The revolving funding line is designed to grow with your business and is naturally in tune with your busy periods.

When compared to other business funding options such as overdrafts, business loans and peer to peer lending, invoice finance is often the most flexible option.


We currently serve the following UK post code areas (for example AB - Aberdeen means all areas in and around Aberdeen whose postcode starts with AB) :-

AB - Aberdeen, AL - St Albans, BA - Bath, BB - Blackburn, B - Birmingham, BD - Bradford, BH - Bournemouth, BL - Bolton, BN - Brighton, BR - Bromley, BS - Bristol, BT - Belfast, CA - Carlisle, CB - Cambridge, CF - Cardiff, CH - Chester, CM - Chelmsford, CO - Colchester, CR - Croydon, CT - Canterbury, CV - Coventry, CW - Crewe, DA - Dartford, DD - Dundee, DE - Derby, DG - Dumfries, DH - Durham, DL - Darlington, DN - Doncaster, DT - Dorchester, DY - Dudley, EC - London, EH - Edinburgh, E - London, EN - Enfield, EX - Exeter, FK - Falkirk, FY - Blackpool, G - Glasgow, GL - Gloucester, GU - Guildford, GY - Guernsey, HA - Harrow, HD - Huddersfield, HG - Harrogate, HP - Hemel Hempstead, HR - Hereford, HS - Western Isles, HU - Hull, HX - Halifax, IG - Ilford, M - Isle of Man, IP - Ipswich, IV - Inverness, JE - Jersey, KA - Kilmarnock, KT - Kingston Upon Thames, KW - Kirkwall, KY - Kirkcaldy, LA - Lancaster, LD - Llandrindod Wells, LE - Leicester, L - Liverpool, LL - Llandudno, LN - Lincoln, LS - Leeds, LU - Luton, ME - Medway, MK - Milton Keynes, ML - Motherwell, M - Manchester, NE - Newcastle, NG - Nottingham, N - London, NN - Northampton, NP - Newport, NR - Norwich, NW - London, OL - Oldham, OX - Oxford, PA - Paisley, PE - Peterborough, PH - Perth, PL - Plymouth, PO - Portsmouth, PR - Preston, RG - Reading, RH - Redhill, RM - Romford, SA - Swansea, SE - London, SG - Stevenage, SK - Stockport, SL - Slough, SM - Sutton, SN - Swindon, SO - Southampton, SP - Salisbury, SR - Sunderland, S - Sheffield, SS - Southend - On - Sea, ST - Stoke - On - Trent, SW - London, SY - Shrewsbury, TA - Taunton, TD - Galashiels, TF - Telford, TN - Tonbridge, TQ - Torquay, TR - Truro, TS - Cleveland, TW - Twickenham, UB - Uxbridge, WA - Warrington, WC - London, WD - Watford, WF - Wakefield, W - London, WN - Wigan, WR - Worcester, WS - Walsall, WV - Wolverhampton, YO - York, ZE - Lerwick.

Application process for invoice finance:-

  • Fill in the form on this website. We will contact you and go through a short fact find where our broker ascertains what kind of product would be best suited to you, we will scour the market for the best possible terms for your business.
  • We will issue the initial terms within two hours, letting you know how much we could release to you in principle. At this point, we will let you know what documents are needed to fully submit your application.
  • If you’re completely happy with the information we’ve given you so far, we will start the application with the lender. During the application, the lender will usually want to meet with you to finalise the application prior to a full credit backed decision.
  • Once the application is approved by the lender’s credit committee, the full terms are issued which, if agreed, will form the basis of your invoice finance agreement.
  • Once the agreement is signed and returned to the lender, the facility will be live and you will be free to start drawing down funds as needed.

If you are looking for invoice finance, please complete the contact form below and an advisor from our broker will talk through your options, answer any questions, give you any other relevant advice and provide you with a no obligation quotation.

We offer rapid decisions in principle – often within four hours – and our invoice finance advisors are available to answer any questions that may arise.

Please use the form below to get free advice and a quote on the best product for your circumstances.

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