Lendus.

Invoice Finance for Transport & Haulage Companies

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.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Rates

0.5% – 2.5%

of invoice value

Advance

Up to 90%

of invoice value

Facility Size

£20k – £5m

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Why transport & haulage businesses use invoice finance

Haulage and logistics businesses carry a fundamental cost mismatch: fuel must be paid at the pump, drivers are paid weekly, and vehicle maintenance is a constant overhead — yet freight invoices routinely settle on 30 to 60-day terms. For owner-operators and growing fleets alike, this gap is not a minor inconvenience but a genuine threat to operations. A single large client paying late can leave a haulier unable to fund the next week's diesel costs. Invoice finance eliminates this mismatch by releasing up to 90% of a freight invoice's value within 24 hours of delivery confirmation, giving transport businesses the liquidity to run their fleet, take on additional loads, and invest in vehicles without waiting on slow-paying shippers.

Finance types available

Invoice Factoring

Rate
0.5% - 2.0%
Advance
Up to 85%
Control
Factor collects from your clients

Best for: Owner-operators and smaller hauliers who want a simple arrangement covering collections, credit checks, and funding in one package

Invoice Discounting

Rate
0.75% - 2.5%
Advance
Up to 90%
Control
You maintain client relationships

Best for: Established transport businesses with their own credit control team who want confidential funding without clients being aware

Selective Invoice Finance

Rate
1.0% - 3.0%
Advance
Up to 85%
Control
Choose which invoices to finance

Best for: Logistics operators with a mix of fast-paying and slow-paying freight clients who want to fund specific loads or contracts on demand

Common challenges

Eligibility

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Market context

The UK road freight industry is worth approximately £28 billion annually, with over 75,000 registered haulage operators. Diesel costs alone represent 30–35% of a typical haulier's operating expenses, creating acute sensitivity to payment delays. The Road Haulage Association has consistently flagged that late payment and cash flow pressures are among the top concerns cited by UK hauliers in annual surveys.

Frequently asked questions

Can I use invoice finance to cover fuel costs between loads?
Yes — this is one of the most common uses. Once a delivery is completed and an invoice raised, most providers will advance up to 90% within 24 hours, giving you immediate cash to fund fuel, tolls, and driver pay for the next run without waiting for your client to settle.
Does it matter if I use fuel cards or have a fuel credit account?
No — invoice finance is entirely separate from your fuel card or credit arrangements. The two can run alongside each other. In fact, having a fuel card for day-to-day costs combined with an invoice finance facility for receivables is a common working capital structure for hauliers.
What if some of my loads are paid quickly via quick-pay or freight factoring platforms?
Many transport businesses already use load board factoring or broker quick-pay programmes for spot freight. Traditional invoice finance works well alongside or instead of these, typically at lower rates for your contracted or regular client invoices where your volumes are higher and more predictable.
Can owner-operators with a single vehicle qualify?
Some specialist transport lenders will consider owner-operators with lower monthly invoice volumes, particularly if you have a reliable client base of recognised businesses. Minimum thresholds vary, but selective invoice finance products are often the most accessible route for sole traders or micro-fleets.
How does the facility handle international or cross-border freight invoices?
Most standard UK invoice finance facilities focus on domestic B2B invoices. Some providers offer export invoice finance for cross-border loads, though the assessment process is more involved and currency risk may be a factor. Specialist trade finance providers are better suited for businesses with significant international volumes.

Guides and resources

What Is Invoice Discounting? Factoring vs Discounting Invoice Finance vs Business Loan Best Factoring Companies

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