★★★★★
"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
Business Loans UK
Release cash from unpaid invoices, instantly.
You've done the work. You've raised the invoice. You shouldn't have to wait 60 days to access money you've already earned. We advance up to 95% within 24 hours.
up to 95% advanced within 24 hours
Factoring and discounting available
No asset required as security
Who's Invoice Finance 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.
Not sure if your invoices qualify? Check in two minutes — no credit search at this stage.
Check Eligibility →30s
Decision Time
100+
Lender Panel
£10m
Maximum Facility
32
Years Experience
What Is Invoice Finance
Get paid for work you've already done without waiting for your 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, the business receives a large part of the invoice value early.
At Finding Capital, we work across selective, factoring and discounting routes. That means we can structure how you sell our lenders your invoices, how the business would like to set up, and whether all or only selective invoices will be sold.
In practice, it is often used by B2B firms that are profitable and growing, but are being squeezed by payment terms. Recruitment businesses, wholesalers, distributors, manufacturers and service firms with regular invoicing are common examples. If payroll is the pressure point, our recruitment invoice finance payroll guide explains that use case in more detail.
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
Discovery
We compare factoring, discounting and selective options across our lender panel and recommend the right structure for your business.
03
Approval
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 clients has paid 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
Not sure which structure suits your situation? Talk it through with a specialist — no obligation.
Speak to a Specialist →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
Join businesses already funded through Finding Capital. Check your eligibility in 60 seconds.
Get Started →Common Questions
Invoice finance explained
Is invoice finance only for struggling businesses?
No. In many cases it is used by healthy growing businesses that simply do not want long customer payment terms to slow them down. Strong sales and a strong debtor book often make the case better, not worse.
How much of the invoice value can be advanced?
That depends on the lender and the quality of the ledger. A lender will usually fund a percentage rather than the full invoice value. The exact level depends on customer profile, concentrations and payment history.
Do my customers know I am using invoice finance?
That depends on the structure. Some facilities are more visible than others. It is worth discussing that early if customer handling matters to you.
What types of businesses use invoice finance most often?
Recruitment, wholesale, manufacturing, logistics and service businesses with regular B2B invoicing are common examples. The route is strongest where invoices are raised consistently and paid by other businesses rather than consumers.
Is invoice finance better than an unsecured loan?
Sometimes yes, sometimes no. If the pressure comes from slow-paying customers, invoice finance can be a cleaner answer because it is tied directly to the ledger. If the need is broader, another business funding route may make more sense.
Still have questions?
A specialist can answer any question about structure, lenders or eligibility before you commit to anything.
Related insights
Useful reading before you choose a facility
Business loans UK guide
A useful overview if you are comparing invoice finance with unsecured loans and broader working capital options.
Prepare for business finance
Useful reading on what lenders usually want to see before you apply and how to present the case cleanly.
How asset finance works
Helpful if you are weighing invoice-led funding against equipment or asset-backed finance for the wider business.
Invoice Finance by Location