Smoothing out your cash flow

Invoices paid in 30, 60, or 90 days while wages and suppliers want paying now. That gap is where good businesses feel poor. Invoice finance and working capital facilities close it, and we set them up to fit how your business actually trades.

Is this right for you?

Who we help keep the cash moving

Your invoices take 30, 60, or 90 days to pay

Invoice finance turns money you've already earned into money you can use, without waiting on your debtors.

You're growing faster than your cash

More orders means more wages and stock before the revenue lands. We structure the facility around the growth, with the tax and cash position read together.

Payroll is tight in the slow months

Seasonal trade, project-based work, or a few big clients. Our accountants and brokers see the cycle in your numbers and match the facility to it.

One big customer pays slowly

A large debtor on long terms can hold your whole business hostage. Finance against those invoices puts the timing back in your hands.

You'd rather not put the house on the line

Invoice finance is secured by the invoices themselves, so some facilities don't need property security. We'll show you what that means for you.

How It Works

A clear path from a quote to the gear on your floor

Read The Cycle

We look at your debtors, your payment terms, and your trading rhythm to see exactly where the gap opens up.

Match The Facility

Invoice finance, an overdraft, or a line of credit. Each suits a different gap. We shortlist the structure and the lenders that fit yours.

Set It Up

We prepare the application, manage the lender's review of your debtors and financials, and get the facility in place.

Draw As You Trade

The facility works alongside your invoicing. We review it with you as the business grows, so it keeps fitting.

Frequently Asked Questions

How does invoice finance actually work?

You raise invoices as normal, and the lender advances you most of each invoice’s value straight away instead of you waiting out the payment terms. When your customer pays, the lender releases the balance, less their fees. The facility grows and shrinks with your invoicing, which is why it suits businesses whose sales are strong but whose cash is stuck in debtors.

What's the difference between invoice factoring and invoice discounting?

The main difference is who collects the debt and who knows about it. With factoring, the financier manages your debtor collections, and your customers usually know they’re involved. With discounting, you keep running your own collections and the facility stays confidential. Discounting generally suits established businesses with solid processes, while factoring can suit businesses that want the collections handled. We help you work out which fits.

Will my customers know I'm using invoice finance?

Not necessarily. Confidential invoice discounting keeps the facility invisible to your customers, since you still invoice and collect in your own name. Disclosed facilities work differently, with payments directed to the financier. If discretion matters to you, it’s one of the first things we filter lenders on.

Is invoice finance only for struggling businesses?

No, and the perception is out of date. The common users are growing businesses whose cash is consumed by wages and stock ahead of revenue, and businesses on long payment terms with large customers. A business can be profitable and still short of cash, since profit and cash flow are different things. That said, a facility is not a fix for a business that isn’t viable, and we’ll tell you honestly if we think the problem is something else.

Do I need property security for invoice finance?

Often not. The invoices themselves are the primary security, which is a large part of the appeal for owners who don’t want the family home tied to the business. Some lenders still ask for director guarantees or additional security depending on the facility and the strength of your debtor book, so it varies. We’ll show you what each lender actually requires before you choose.

What does invoice finance cost?

Costs typically involve a fee on each invoice or a margin on funds drawn, and they vary with your turnover, your industry, and the strength of your debtors. Quoting a number here would be misleading because the range is genuinely wide. What we do is put real lender terms side by side for your situation, so you compare actual costs rather than advertised ones.

CASH FLOW HOLDING YOU BACK?

Have a conversation with us. We’ll tell you clearly where you stand.