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Invoice Finance
Unlock cash tied up in unpaid invoices.
Invoice finance lets you access funds against your outstanding invoices immediately, rather than waiting 30–90 days for customers to pay. A lender advances you up to 90% of the invoice value, with the remainder (minus fees) paid when your customer settles.
Best Suited For
- B2B businesses with regular invoiced sales
- Companies with 30–90 day payment terms
- Businesses needing to improve cash flow
- Growing companies taking on larger orders
May Not Be Suitable If
- B2C businesses (retail, consumer sales)
- Businesses with very small or concentrated invoice books
- Businesses with very short payment terms (under 14 days)
Typical Terms
- Advance rate: up to 90% of invoice value
- Ongoing facility — draw down as you invoice
- Fees: typically 1–3% of invoice value + service fee
- Minimum facility: usually £50k–£100k turnover
Key Eligibility Requirements
- Minimum 6 months trading
- Majority B2B sales (typically 70%+ required)
- Invoice payment terms of 30+ days
- No disputed or concentration-heavy debtor books
- Minimum turnover: usually £100,000/year
- Clean or explainable credit history
What Lenders Will Ask You
1.What is your monthly invoiced turnover?
2.What are your average payment terms?
3.Do you trade B2B?
4.How many active customers do you invoice?