Invoice Finance

Invoice Finance

Invoice Finance is a flexible funding solution that allows businesses to unlock cash tied up in unpaid invoices. Instead of waiting 30, 60, or even 90 days for customers to pay, you can access most of the invoice value almost immediately  improving cash flow and keeping your business moving.

Once you issue an invoice to your customer, a lender advances a percentage of its value (typically up to 90%). When the invoice is paid, you receive the remaining balance, minus fees. Invoice Finance grows in line with your sales, making it an ideal solution for businesses experiencing growth or cash flow pressure.

As independent commercial finance brokers, we source competitive Invoice Finance solutions from a wide panel of lenders and tailor facilities to suit your business, sector, and customers.

Key Benefits of Invoice Finance

Improves Cash Flow Instantly

Access funds as soon as you invoice, without waiting for customers to pay.

Grows With Your Business

Funding increases as your sales increase — no need to renegotiate limits constantly.

Frees Up Working Capital

Cover wages, suppliers, VAT, or reinvest in growth with predictable cash flow.

Less Focus on Property or Assets

Decisions are based on your debtor book, not property ownership.

Flexible & Scalable

Suitable for startups, growing businesses, and established companies alike.

Supports Business Growth

Take on larger contracts, longer payment terms, or new customers with confidence.

Confidential or Disclosed Options Available

Choose between confidential Invoice Discounting or full Factoring with credit control support.

Can Improve Financial Stability

Smooths cash flow fluctuations and reduces reliance on overdrafts or short-term loans.

Selective / Spot Invoice Finance

Selective Invoice Finance (also known as Spot Invoice Finance) allows businesses to raise funding against individual invoices, as and when needed — without committing to a long-term contract or financing their entire sales ledger.

Instead of funding every invoice, you choose which invoices to release cash from, giving you complete control over when and how you access finance. This makes Selective Invoice Finance an ideal solution for businesses that experience occasional cash flow gaps, seasonal pressures, or large one-off contracts.

As independent commercial finance brokers, we work with specialist lenders to structure flexible Selective Invoice Finance facilities that suit your cash flow requirements, customer profile, and trading cycle.

Key Benefits of Selective / Spot Invoice Finance

Finance Only What You Need

Choose specific invoices to fund — no obligation to finance your whole ledger.

No Long-Term Commitment

Ideal for businesses that don’t want ongoing facilities or fixed monthly costs.

Fast Access to Cash

Release funds quickly against approved invoices to cover short-term cash flow needs.

Flexible & On-Demand

Use the facility as and when required — perfect for peaks, seasonal trading, or large contracts.

Maintains Control

You retain control of your sales ledger and customer relationships.

Minimal Impact on Existing Facilities

Can often sit alongside overdrafts, loans, or other funding solutions.

Supports Growth Opportunities

Take on larger orders or customers with longer payment terms without straining cash flow.

Suitable for a Wide Range of Businesses

Works well for SMEs, contractors, recruitment firms, and project-based businesses.
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