Invoice finance (also called invoice funding or debtor finance) is a form of asset-based lending that allows businesses to unlock cash tied up in unpaid invoices. Instead of waiting 30, 60, or 90 days for customers to pay, you can access up to 90% of the invoice value within 24 hours of raising it.
It works by selling your invoices to a finance company (the lender or factor), who advances you most of the value immediately. When your customer pays, the lender releases the remaining balance minus their fee. This creates a continuous funding line that grows with your sales.
Invoice finance is not a loan—you're not borrowing money or taking on debt. You're simply accessing your own money faster. It's particularly popular with businesses experiencing growth, seasonal peaks, or cashflow gaps caused by long payment terms.
Choose between full-service factoring or confidential invoice discounting based on your needs.
Not sure if you qualify? Every lender has different criteria. We'll assess your situation and match you with the most suitable lenders on our panel.
From application to funding in as little as 7-14 days.
Complete our simple online form with your business details and recent financials. We'll review and respond within 2 hours.
We search our panel of 50+ lenders to find the best rates and terms for your specific situation. No obligation to proceed.
Your chosen lender reviews your debtor book, credit checks your customers, and confirms the facility terms.
Once approved, you can start raising invoices and receiving funding within 24 hours. Typically 80-90% advanced immediately.
Invoice finance costs vary based on your turnover, industry, debtor quality, and facility size. There are typically two main charges:
Example: A £100,000 invoice with 2% service fee and 2.5% annual interest (assuming 60-day payment term) would cost approximately £2,400 in total fees.
We'll provide a full breakdown of all costs before you proceed. No hidden fees, no surprises. You'll know exactly what you're paying and can compare multiple quotes from our lender panel.
We specialise in arranging invoice finance for businesses across the West Midlands. Explore our sector-specific solutions tailored to the unique cashflow challenges of your industry.
Fund materials, labour, and subcontractors without waiting for application or retention payments. Specialist funding for West Midlands construction businesses.
Meet weekly contractor payroll without waiting 30–60 days for client payment. Specialist funding for recruitment agencies across Wolverhampton and Birmingham.
Cover raw material costs and production overheads without waiting for customer payment. Specialist funding for West Midlands manufacturers.
Keep your fleet moving without waiting 30–60 days for freight payment. Specialist funding for hauliers and couriers across the West Midlands.
Meet weekly carer payroll without waiting for local authority payment. Specialist funding for domiciliary and community care providers.
Fund stock purchases and pay suppliers without waiting 30–60 days for retail payment. Specialist funding for West Midlands wholesalers and distributors.
Release up to 90% of client invoices within 24 hours. Confidential funding for accountants, solicitors, consultants, and agencies across the West Midlands.
Many invoice finance facilities include bad debt protection as standard — covering you against customer insolvency and non-payment. If your current facility does not include it, or you want standalone trade credit insurance, we can arrange cover from our panel of specialist insurers.
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