★★★★★
"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 London
Invoice finance in London — release cash from unpaid invoices, instantly.
London businesses in construction, logistics, professional services and manufacturing use invoice finance to bridge the gap between completing work and receiving payment. Finding Capital works with businesses across all London boroughs.
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.
Construction
Logistics
Professional Services
Recruitment
Manufacturing
Technology
30s
Decision Time
100+
Lender Panel
£10m
Maximum Facility
32
Years Experience
What Is Invoice Finance in London
Get paid for work you've already done without waiting for your London 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 London business receives up to 95% of the invoice value within 24 hours. London's density of B2B businesses and the high volume of commercial invoicing in the capital — from construction subcontractors on major development projects to professional services firms in the City — makes it one of the UK's most active invoice finance markets. Finding Capital works across selective, factoring and discounting routes, matching London businesses to the structure that fits their debtor book, their sector and how much control they want to keep over client relationships.
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 London — common questions
Can London businesses access invoice finance through Finding Capital?
Yes. Finding Capital works with businesses across all London boroughs — from the City and Canary Wharf to Croydon, Bromley, Ealing, Wembley, Stratford and everywhere in between. The entire process is remote — no office visit is required. Most London businesses receive a specialist response within the hour and a facility offer within 24 to 48 hours on straightforward cases. London's volume of commercial invoicing across construction, logistics and professional services makes it one of our most active markets.
What types of London businesses use invoice finance most?
The highest demand comes from construction subcontractors working on London's ongoing development pipeline — Nine Elms, Earls Court, Old Oak Common and the Elizabeth line corridor — who face 60 to 90 day payment terms from main contractors. Recruitment agencies, logistics businesses serving the capital and professional services firms with large outstanding debtor books are also consistent users. Any London B2B business invoicing other businesses on 30 day terms or longer is likely a candidate.
How quickly can invoice finance be arranged for a London business?
Straightforward cases with a clean debtor book and invoices to creditworthy clients can have a facility agreed within 24 to 48 hours. The initial advance against existing invoices typically follows within 24 hours of the facility going live. Having three to six months of bank statements, a debtors ledger and a brief explanation of your client base ready before you enquire is the biggest factor in how fast things move.
Is invoice finance confidential — will my London clients know?
Under invoice discounting your clients never know a facility is in place. You continue managing your own sales ledger and chasing your own payments. Under factoring the lender manages collections and your clients are aware of the arrangement. For London professional services and financial services businesses where client confidentiality matters, discounting is almost always the preferred route.
What is the minimum turnover for invoice finance in London?
For selective invoice finance there is typically no minimum turnover. For whole-turnover factoring most lenders want to see at least £100,000 annual turnover. For invoice discounting the threshold is typically £500,000 or above. Finding Capital works across the full market and will point you to the right structure for your current turnover level.
Invoice finance for London 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 London business.