Invoice finance for UK businesses

    We Compare Invoice Finance Providers So You Don't Have To

    Waiting 30, 60 or 90 days to get paid shouldn't strangle your business. We match UK companies with the right invoice finance provider from our specialist panel, guided by a dedicated broker who actually knows the market, from first chat to funds released.

    Independent whole-of-market matching. Free to use. The lender pays us, not you.

    Invoice finance
    Panel of specialist invoice finance providers
    Decisions in as little as 24 hours
    Free to use, no broker fees
    Factoring, discounting and selective facilities
    Confidential options available
    Startups and new businesses welcome
    Panel of specialist invoice finance providers
    Decisions in as little as 24 hours
    Free to use, no broker fees
    Factoring, discounting and selective facilities
    Confidential options available
    Startups and new businesses welcome
    Panel of specialist invoice finance providers
    Decisions in as little as 24 hours
    Free to use, no broker fees
    Factoring, discounting and selective facilities
    Confidential options available
    Startups and new businesses welcome
    Panel of specialist invoice finance providers
    Decisions in as little as 24 hours
    Free to use, no broker fees
    Factoring, discounting and selective facilities
    Confidential options available
    Startups and new businesses welcome

    Invoice finance built around how your business actually works

    Whether you're funding weekly payroll while clients take sixty days to pay, bridging the gap between paying suppliers and being paid, or simply sick of chasing money you've already earned, the right facility depends on your industry, your customers and how you want it to work day to day.

    Different providers favour different industries, turnover bands and facility types. Some love recruitment, some avoid construction, some insist on your whole ledger while others happily fund a single invoice. We know which is which, so you don't apply to the wrong one.

    Fast decisions

    We know your time is valuable. We work quickly to find suitable options and keep you updated at every step.

    A specialist panel

    We aren't tied to one provider. We compare our whole panel to find terms that genuinely match your business.

    A specialist, not a call centre

    You'll deal with one dedicated broker who understands invoice finance and how business funding really works.

    Why use a broker instead of going direct to a lender?

    Most invoice finance websites belong to lenders, and a lender can only ever recommend its own product. Apply direct and you get one set of criteria, one pricing model and one answer. If it's the wrong fit for your industry or the way you invoice, you find out after you've committed, not before.

    A broker compares the market before any application is made, which protects your time and gets you a facility shaped around the business rather than the lender.

    The broker difference

    • Whole panel compared before anything is submitted
    • Factoring, discounting, selective and confidential options
    • Solutions for startups and imperfect credit histories
    • Free to use, the lender pays our commission

    Industries we finance

    Recruitment
    Construction
    Manufacturing
    Transport & Logistics
    Wholesale & Distribution
    Hospitality
    Professional Services
    Courier Services
    Engineering
    Printing & Packaging
    Security Services
    Cleaning & Facilities

    We arrange invoice finance for businesses in almost every B2B sector. Don't see yours? Call us on 01730 771185.

    How much cash could invoice finance release?

    Two numbers and a slider. That's all it takes to see roughly how much of your money is sitting in other people's bank accounts.

    £
    45 days
    85%

    Most lenders advance between 70% and 90% of eligible invoices. 85% is typical.

    Roughly tied up in unpaid invoices:
    £150,000
    Cash invoice finance could release:
    £128,000

    This is an indicative estimate, not a quote. Actual availability depends on which invoices are eligible, customer concentration limits and each lender's criteria. Construction businesses funding applications for payment will typically see lower advance rates. Invoice Finance Experts arranges facilities, it does not lend money.

    Want the detail behind the numbers? Visit the working capital calculator page.

    How it works

    1

    Tell us about your business

    Complete our short form. Industry, turnover, what's tied up in unpaid invoices and how you'd like the facility to work. Takes about 2 minutes.

    2

    We compare the panel

    A dedicated specialist reviews your details and identifies the one or two providers on our panel best suited to your industry, size and facility type.

    3

    We present your matches

    We explain the options in plain English, including how each provider works and what it costs. No obligation to proceed.

    4

    Your facility goes live

    Once you choose a provider and complete their paperwork, your facility is set up and cash is released against your invoices, often within days.

    How it works - Invoice finance

    Invoice finance for every kind of B2B business

    We work with recruiters, manufacturers, hauliers, wholesalers, contractors and almost every business that invoices other businesses on credit terms.

    Get matched with the right invoice finance provider

    Complete the form below and a specialist will be in touch, usually within one business day.

    If you'd prefer to call: 01730 771185

    By submitting this form you consent to Invoice Finance Experts (a trading style of First Oak Capital Limited) contacting you about your enquiry. We will not share your details with third parties for marketing purposes. View our Privacy Policy.

    Frequently asked questions

    Invoice finance lets a business borrow against its unpaid invoices. A lender advances most of each invoice's value as soon as it is raised, typically 70 to 90 percent, and you receive the balance minus fees when your customer pays. It turns money you have already earned into cash you can actually use.

    Invoice finance itself is an unregulated business finance product, because it is lending between businesses. Invoice Finance Experts is a trading style of First Oak Capital Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 984955), so you are dealing with an authorised firm even though the product sits outside FCA regulation.

    Most facilities charge a service fee, typically a small percentage of your turnover, plus a discount charge on the funds you draw, which works like interest. Costs vary with your turnover, industry and the type of facility, which is exactly why comparing providers matters.

    With factoring, the lender manages your sales ledger and collects payment from your customers, who will usually know a funder is involved. With invoice discounting, you keep control of collections and the facility can be completely confidential. Factoring tends to suit smaller businesses and discounting tends to suit larger ones, but the right answer depends on your circumstances.

    Often, yes. Because the lending is secured against your invoices rather than your trading history, invoice finance is available to many startups and young businesses that would struggle to get a conventional loan, provided they invoice other businesses on credit terms.

    No, we do not charge you a fee for our matching service. We receive a commission from the provider when your facility completes, and we will always tell you that a commission arrangement exists.