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Invoice Finance

Unlock cash tied up in unpaid invoices. Compare factoring, discounting, and selective invoice finance from specialist UK providers.

200+ UK lenders

2-minute application

No credit check to apply

FCA-regulated brokers

Advance

Up to 90%

of invoice value

Speed

24 hours

from submission

Rates From

0.5%

of invoice value

Compare invoice finance providers — takes 2 minutes.

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Browse by industry

Engineering

Project-based work shouldn't mean project-based cash flow — release milestone invoices within 24 hours and keep your engineers deployed.

Manufacturing

Free up cash tied in your sales ledger to fund raw materials and production — without waiting 60–90 days for customers to pay.

Food & Drink Distribution

Perishable goods can't wait 60 days for payment — unlock cash from supermarket and trade invoices within 24 hours to keep your supply chain moving.

Print & Packaging

Cover paper, ink, and press costs upfront — release cash from client invoices within 24 hours rather than waiting 60 days for brands and agencies to pay.

Construction

Unlock cash tied up in long payment chains and retentions — keep your projects moving without waiting months for certified payments.

Professional Services

Consultancies and agencies shouldn't wait 60 days for fees already earned — release invoice cash within 24 hours and keep delivering without funding constraints.

Recruitment

Bridge the gap between paying your temps and getting paid by clients — keep placements flowing without cash flow stalling your growth.

Transport & Haulage

Cover fuel, drivers, and vehicle costs today — don't wait 60 days for freight invoices to be settled before you can run the next load.

Wholesale & Distribution

Move large volumes with thin margins by unlocking cash from your sales ledger — stop letting slow-paying retailers squeeze your working capital.

Staffing

Pay your temporary workers on time, every time — unlock client invoices within 24 hours and stop payroll ever being held hostage to slow-paying businesses.

Compare invoice finance rates from 200+ lenders — 2 minutes, no credit check

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Representative cost example

Advance £100,000 of invoices at 1.5% service charge. Cost per invoice: ~£1,500. Advance rate: up to 90%. Remaining 10% released when your customer pays. Discount charge (interest on drawn funds) charged separately.

Related resources

What is invoice discounting? Invoice factoring vs discounting Invoice finance vs business loan Best invoice factoring companies

Frequently asked questions

What is invoice finance?

Invoice finance lets you release cash tied up in unpaid invoices immediately, rather than waiting 30-90 days for customers to pay. A finance provider advances up to 90% of the invoice value within 24 hours.

What's the difference between factoring and discounting?

With factoring, the provider manages your credit control and collects payments from your customers directly. With invoice discounting, you maintain customer relationships and collect payments yourself — it's confidential, so customers don't know you're using it.

How much does invoice finance cost?

Costs typically comprise a service charge of 0.5-3% of invoice value plus a discount charge (interest) on drawn funds at 1-3% above base rate. Total costs vary by facility size, industry, and customer credit quality.

Can startups use invoice finance?

Some providers accept businesses from 3-6 months of trading. The quality and creditworthiness of your customers matters more than your own trading history — strong end-clients improve your chances significantly.

What types of invoices can be financed?

You can finance invoices raised against other businesses (B2B) for goods or services already delivered. Consumer invoices, pre-delivery invoices, and invoices with retention clauses may not be eligible.

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