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Our Finance Solutions

As an independent broker, we compare the whole market to find the right funding solution for your business. Explore all our finance products and find the perfect fit for your needs.

Invoice Finance

Release up to 90% of your invoice value within 24 hours. Improve cashflow and fund growth without waiting for customer payments.

Key Benefits:

  • Fast access to cash
  • Flexible funding amounts
  • No personal guarantees
  • Improve working capital
Factoring

Complete invoice management service including credit control and collections. Focus on your business while we manage your debtor book.

Key Benefits:

  • Invoice management included
  • Credit protection available
  • Collection services
  • Reduce admin burden
Invoice Discounting

Confidential funding solution that keeps you in control of your credit management. Your customers never know you're using finance.

Key Benefits:

  • Confidential funding
  • Keep customer relationships
  • Retain credit control
  • Flexible repayment
Bridging Loans

Fast, flexible short-term property finance for development, refurbishment, or purchase. Funding from £100k to £10m+.

Key Benefits:

  • Fast funding decisions
  • Large loan amounts
  • Flexible terms
  • Development finance
Commercial Mortgages

Competitive long-term finance for business premises, investment properties, and commercial portfolios.

Key Benefits:

  • Competitive rates
  • Long-term finance
  • Portfolio lending
  • Business premises
Buy to Let Portfolio

Finance your entire buy-to-let portfolio with a single mortgage. Competitive rates and flexible terms for property investors.

Key Benefits:

  • Portfolio lending
  • Competitive rates
  • Flexible terms
  • Multiple properties
Bad Debt Protection

Protect your business against customer insolvency and non-payment. Cover up to 100% of invoice value with trade credit insurance.

Key Benefits:

  • Customer insolvency cover
  • Protracted default cover
  • Credit monitoring included
  • Standalone or with invoice finance
Spot Factoring

Finance individual invoices without a long-term contract. Choose which invoices to fund, when you need the cash — no minimum usage.

Key Benefits:

  • No long-term contracts
  • Funds within 24 hours
  • Confidential options available
  • Start-ups welcome

Sector-Specific Invoice Finance for West Midlands Businesses

We specialise in invoice finance for businesses across the West Midlands, with dedicated expertise in the sectors that drive the region's economy. Explore our sector-specific solutions tailored to the unique cashflow challenges of your industry.

Construction Invoice Finance

Bridge the gap between applications for payment and client settlement. Specialist funding for contractors, subcontractors, and groundworkers across Wolverhampton, Birmingham, Dudley, and Walsall.

Wolverhampton · Birmingham · Dudley · Walsall
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Recruitment Invoice Finance

Meet weekly payroll for temps and contractors without waiting 30–60 days for client payment. Ideal for staffing agencies of all sizes across the West Midlands — including start-ups.

Wolverhampton · Birmingham · Dudley · Walsall
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Manufacturing Invoice Finance

Fund raw material purchases and meet payroll without waiting for customer payment. Specialist funding for manufacturers and engineers across Wolverhampton, Birmingham, Dudley, and Walsall.

Wolverhampton · Birmingham · Dudley · Walsall
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Transport & Logistics Invoice Finance

Keep your fleet moving without waiting 30–60 days for freight payment. Specialist funding for hauliers, couriers, and logistics operators across Wolverhampton, Birmingham, Dudley, and Walsall.

Wolverhampton · Birmingham · Dudley · Walsall
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Healthcare & Social Care Invoice Finance

Meet weekly carer payroll without waiting for local authority payment. Specialist funding for domiciliary and community care providers across Wolverhampton, Birmingham, Dudley, and Walsall.

Wolverhampton · Birmingham · Dudley · Walsall
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Wholesale & Distribution Invoice Finance

Fund stock purchases and pay suppliers without waiting 30–60 days for retail payment. Specialist funding for wholesalers and distributors across Wolverhampton, Birmingham, Dudley, and Walsall.

Wolverhampton · Birmingham · Dudley · Walsall
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Professional Services Invoice Finance

Release up to 90% of client invoices within 24 hours. Confidential funding for accountants, solicitors, consultants, and agencies across Wolverhampton, Birmingham, Dudley, and Walsall.

Wolverhampton · Birmingham · Dudley · Walsall
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Why Choose Amber Finance?

We're not just another finance broker. Here's what sets us apart.

Independent Broker

We compare deals from 50+ lenders to find your best rate, not tied to any single lender.

No Upfront Fees

We're paid by lenders, not by you. No hidden charges or surprise costs.

Fast Decisions

Initial decisions within hours, funding in days not weeks. Speed matters in business.

Expert Support

10+ years of experience helping UK businesses access the right finance.

Our Lender Panel

Access 50+ Invoice Finance & Factoring Lenders

As an independent broker, we compare the whole market — Bibby Financial Services, Close Brothers, Aldermore, Lloyds, HSBC, Barclays, Novuna, and many more — to find the right facility for your West Midlands business.

Ready to Find Your Perfect Finance Solution?

Get a free, no-obligation quote tailored to your business needs.