Invoice Finance

Waiting weeks (or months) to get paid? Invoice finance helps you access the cash tied up in your unpaid invoices — so you can keep things moving without the stress of late payments.

It’s a flexible way to boost cash flow without taking on traditional loans. Instead, your invoices act as the funding. You raise the invoice — the lender releases up to 90% of the value, often within 24 hours.

We can help you find the right type of invoice finance for your business, whether you want full credit control support or prefer to stay in charge.

Types of invoice finance we arrange:

Invoice factoring – funding + credit control handled for you
Invoice discounting – funding while you stay in control of collections
Selective invoice finance – release funds from individual invoices as needed

It’s a great option for businesses with strong turnover but slow-paying customers — like wholesalers, manufacturers, recruitment agencies, and more.

Important: We’re a commercial finance broker, not a lender. All finance is subject to approval and affordability. We’re not authorised or regulated by the Financial Conduct Authority (FCA) and do not offer consumer credit.

Types of Invoice Factoring

There are a few different ways invoice factoring can work, depending on how much control you want to keep — and how visible you want the lender to be in your process. Here’s a quick rundown of the main types:

Disclosed Factoring

This is the most common type. Your customers know you’re using a factoring provider, and payments are made directly to them. The lender usually handles your credit control and collections, freeing you up to focus on running your business.

Good for: Businesses that want to outsource credit control and get paid faster, without chasing invoices.

Confidential Factoring

Similar to disclosed factoring, but your customers won’t know a third party is involved. You continue to manage collections in-house, but still get the cash advance up front.

Good for: Businesses that want working capital without revealing the use of external finance.

Recourse Factoring

With recourse factoring, you’re still responsible if the customer doesn’t pay the invoice — meaning you may have to repay the lender if things go wrong.

Good for: Lower-cost factoring for businesses confident in their customers’ reliability.

Non-Recourse Factoring

Here, the lender takes on the risk of non-payment. If your customer doesn’t pay due to insolvency, the lender absorbs the loss (subject to terms).

Good for: Businesses that want more protection from bad debt, especially in uncertain markets.

Selective (Spot) Factoring

Only want to finance the odd invoice here and there? Selective factoring lets you choose specific invoices to fund, instead of committing your whole sales ledger.

Good for: Businesses with occasional cash flow gaps or seasonal needs.

Each type has pros and cons depending on your industry, cash flow cycle, and how much admin you want to deal with. We’ll help you find the setup that works best for your business.

Invoice Finance

Waiting weeks (or months) to get paid? Invoice finance helps you unlock the cash tied up in unpaid invoices — so you can keep things moving without waiting on slow-paying customers.

It’s a smart way to boost cash flow without taking on extra debt. You raise the invoice — a lender releases up to 90% of its value (often within 24 hours). When your customer pays, you get the remaining balance minus a small fee.

We work with a wide range of lenders to help you find the right type of invoice finance for your business — whether you want hands-on support or prefer to stay in control.

Types of Invoice Finance We Offer:

✅ Invoice Factoring

This is where the lender provides funding and handles your credit control. It’s ideal if you’d rather not spend time chasing payments. There are a few different ways this can work:

Disclosed Factoring: Your customers know a finance provider is involved and payments go directly to them.
Confidential Factoring: Your customers won’t know — you stay in control of collections while still receiving advance funding.
Recourse Factoring: You’re still responsible if your customer doesn’t pay. Lower cost, but higher risk.
Non-Recourse Factoring: The lender takes on the credit risk. More peace of mind if a customer becomes insolvent.
Selective (Spot) Factoring: Finance only the invoices you choose — no need to commit your full sales ledger.

✅ Invoice Discounting

If you prefer to manage your own credit control, invoice discounting offers funding behind the scenes. It’s usually confidential, so your customers won’t know you’re using finance.

Invoice finance is especially useful for growing businesses with strong turnover but long payment terms — like recruitment agencies, wholesalers, manufacturers, and service-based firms.

You focus on running your business. We’ll handle finding the right funding partner.

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