★★★★★
"Invoice finance gave us breathing room between payroll and client payment dates. We stopped chasing cash and started focusing on growth again."
Rachel M.
Recruitment Agency, Manchester
Invoice Finance Cardiff
Invoice finance in Cardiff — release cash from unpaid invoices, instantly.
Cardiff's construction, public sector, professional services and technology sectors generate significant B2B invoicing across South Wales. Finding Capital works with Cardiff businesses to release cash from outstanding invoices without waiting for clients to pay.
Up to 95% advanced within 24 hours
Factoring and discounting available
No asset required as security
Who Is It Good For
Built for businesses selling on credit terms
Invoice finance is particularly effective where invoices are raised regularly, payment terms are stretching cash flow and the business needs capital to keep moving.
Public Sector
Construction
Professional Services
Technology
Recruitment
Logistics
30s
Decision Time
100+
Lender Panel
£10m
Maximum Facility
32
Years Experience
What Is Invoice Finance in Cardiff
Get paid for work you've already done without waiting for your Cardiff clients
Invoice finance is a funding route where a lender advances money against unpaid invoices — instead of waiting 30, 60 or 90 days for payment, your Cardiff business receives up to 95% of the invoice value within 24 hours. Cardiff's significant public sector supplier base — businesses supplying Welsh Government, Cardiff Council and NHS Wales — alongside its active construction pipeline across Central Square and Cardiff Bay and its growing technology and creative sector, creates consistent invoice finance demand. Finding Capital works across selective, factoring and discounting routes, matching Cardiff businesses to the right structure.
How It Works
Four steps, from enquiry to funded
01
Enquiry
Share your outstanding invoices and a brief overview of your business. No credit search at this stage.
02
Match
We compare factoring, discounting and selective options across our lender panel and recommend the right structure for your business.
03
Approve
Your invoices are submitted and verified. The lender approves the advance, typically within 24 hours.
04
Paid
Up to 95% of the invoice value lands in your account before your client pays a penny.
Routes compared
What's the best option for you?
Selective
Enables businesses to release funds against one or multiple invoices. No long-term commitments or contracts necessary.
Best for: occasional use
Factoring
Enables businesses to sell their invoices to a factoring company in return for instant access to money owed from clients. Our chosen funder will collect payments directly from clients when the invoices are due.
Best for: outsourcing collections
Discounting
Allows your business to sell its sales ledger, but unlike invoice factoring, you stay in control of your credit control process as usual. Your client just pays our funder direct, when it's due.
Best for: ongoing, confidential
Who we are
Independent brokers. Working for you, not the lender.
Finding Capital is an independent finance broker. That means we are not tied to any single lender, not incentivised to push one product over another and not working toward anyone's targets but yours.
When you enquire, we search the full market — 100+ lenders — and match your case to the one most likely to approve it at the best available terms. One enquiry. Whole-of-market access. A real answer from a real specialist.
100+Lenders on panel
32 yrsCombined experience
£10mMaximum facility
What makes us different
Not tied to one lender
No bank queue
One named advisor
Same day response
Commission disclosed upfront
ICO registered ZC110930
"We are transparent about how we earn. We tell you our commission before you commit to anything. That is how we think a broker should work."
— Finding CapitalWho we are
Independent brokers. Working for you.
Finding Capital is an independent finance broker — not tied to any lender, not pushing any single product. We search 100+ lenders and find the right fit for your business. One enquiry, whole-of-market access.
We are transparent about commission. We tell you upfront. That is how we think a broker should work.
Whole market access
Same day response
One named advisor
No obligation
100+Lenders
32 yrsExperience
£10mMax facility
Finance Options
Invoice finance facility comparison
Three structures, different levels of control and cost. Choose the one that fits how your business trades.
| SelectiveEnables businesses to release funds against one or multiple invoices. No long-term commitments or contracts necessary. | FactoringEnables businesses to sell their invoices to a factoring company in return for instant access to money owed from clients. Our chosen funder will collect payments directly from clients when the invoices are due. | DiscountingAllows your business to sell its sales ledger, but unlike invoice factoring, you stay in control of your credit control process as usual. Your client just pays our funder direct, when it's due. | |
|---|---|---|---|
| Clients know? | Usually no | Yes | No |
| You chase payments? | Yes | No | Yes |
| Minimum contract | None | 12 months | 12 months |
| Advance rate | 70%–80% | 85%–95% | 85%–95% |
| Best for | Occasional use | Outsourcing collections | Ongoing, confidential |
Advance rates vary by sector, debtor profile and lender. Figures above are representative — your actual rate is confirmed when we match your case.
Eligibility
Do you qualify for invoice financing?
UK Registered Business
Must be registered and trading in the United Kingdom. Sole traders, partnerships, LLPs and limited companies can all be considered.
You invoice other businesses
Invoice finance is for B2B transactions only. Invoices must be raised to other businesses, not consumers.
Invoices for completed work
Our lenders will only advance against work already delivered or good already received. Pro-forma invoices, deposits and retainers do not qualify.
Payment terms of 30 days or more
Invoice finance works best where clients take 30, 60 or 90 days to pay. Shorter payment terms reduce the commercial benefit significantly.
No single client over 40% of your debtor book
Our lenders assess concentration risk. If one client represents the majority of what you're owed, the facility may be restricted or declined.
Not sure which product fits?
Our advisors are specialists in matching businesses to the right funding product. Start an enquiry and we'll do the work for you, with no obligation and a clear initial review of your options.
Free consultation with a specialist
Initial review before any full lender process
100+ lender panel comparison
Independent Finance Broker, always transparent
Response within 1 hour
What our clients say
See what businesses using Invoice Finance say
Common Questions
Invoice finance in Cardiff — common questions
Can Cardiff businesses access invoice finance through Finding Capital?
Yes. Finding Capital works with businesses across Cardiff city centre, Cardiff Bay, Canton, Roath, Penarth, Barry, Pontypridd, Newport and the wider South Wales area. The process is entirely remote and most Cardiff businesses receive a specialist response within the hour. Cardiff's significant public sector supplier base makes it a particularly active market for invoice finance — businesses supplying Welsh Government, Cardiff Council and NHS Wales regularly face 30 to 60 day payment terms.
What types of Cardiff businesses use invoice finance most?
The strongest demand comes from public sector suppliers providing services and goods to Welsh Government, Cardiff Council and NHS Wales on standard public sector payment terms, construction subcontractors across the Central Square and Cardiff Bay development pipeline and professional services firms with significant monthly invoicing. Technology businesses across Cardiff's growing digital and creative sector are also increasingly common users.
How quickly can invoice finance be arranged for a Cardiff business?
Straightforward cases can have a facility agreed within 24 to 48 hours. Public sector debtors like Welsh Government and NHS Wales are considered highly creditworthy by lenders which can actually accelerate the approval process. Bank statements, a current debtors ledger and client details ready before enquiring is the biggest factor in speed.
Is invoice finance confidential for Cardiff businesses?
Under invoice discounting your Cardiff clients never know a facility is in place. For Cardiff businesses supplying Welsh Government or NHS Wales where public sector contract compliance matters, confidential discounting removes any concern about disclosure obligations.
Can a South Wales public sector supplier use invoice finance?
Yes — and public sector debtors are among the most attractive to invoice finance lenders because the credit risk is extremely low. Welsh Government, NHS Wales, Cardiff Council and other public bodies always pay — they just pay on their own terms which can be 30 to 60 days. Invoice finance against public sector invoices typically achieves advance rates of 85 to 90 percent with very straightforward approval.
Invoice finance for Cardiff businesses — release cash without waiting for your clients
Tell us about your outstanding invoices and your business. We will compare factoring, discounting and selective options across 100+ lenders and find the right structure for your Cardiff business.