Loading...
Invoice Finance
Unlock Cash Tied Up in Invoices
Stop waiting 30, 60, or 90 days to get paid. Release up to 90% of your invoice value within 24 hours and improve your cashflow overnight.
Rates from 0.5% per invoice
24hr Setup
N/A Min Deposit
4.9/5 on Google
90%
Advance Rate
24hrs
Funds Released
£2M
Max Facility
Why Choose Our Invoice Finance?
We specialise in invoice finance for tradesmen with flexible options to suit your business
Get Paid in 24 Hours
Release up to 90% of invoice value the same day you raise it
Improve Cashflow
Never wait weeks or months for payment again
Take on Bigger Jobs
Fund materials and wages while waiting for payment
Simple Fees
Typically 0.5-2% per invoice - no hidden charges
What We Finance
From everyday essentials to specialist equipment, we have finance options for every need
Invoice Factoring
- Release 90% of invoice value upfront
- Factor company handles collections
- Best for high-volume invoicing
- Credit control included
Invoice Discounting
- Confidential - clients don't know
- You maintain customer relationships
- You handle collections
- Best for established businesses
Selective Invoice Finance
- Choose which invoices to finance
- Pay only for what you use
- No ongoing commitment
- Ideal for occasional cashflow gaps
Construction Finance
- Application/certificate-based lending
- Stage payment financing
- Retention release
- Specialist construction focus
Understanding Your Options
Different finance types suit different needs. Here's what you need to know.
Invoice Factoring
Sell your invoices to a factoring company who advance you 80-90% immediately and handle collections. They pay you the balance (minus fees) when your customer pays.
You own the asset at the end
Tax Benefits:
Factoring fees are tax-deductible as a business expense.
Best For:
Businesses with many invoices who want to outsource credit control.
Invoice Discounting
Like factoring, but confidential. You continue to collect payments from customers who don't know you're using finance. More hands-on but protects client relationships.
You own the asset at the end
Tax Benefits:
Discounting fees are tax-deductible.
Best For:
Larger businesses who want to maintain direct customer relationships.
Selective Invoice Finance
Pick and choose which invoices to finance as needed. No ongoing commitment - just use when you have a cashflow gap or a big invoice to a slow payer.
You own the asset at the end
Tax Benefits:
Fees on financed invoices are tax-deductible.
Best For:
Occasional cashflow needs without committing to an ongoing facility.
What Tradesmen Say About Us
4.9/5 from 500+ reviews on Google
"Commercial customers pay 60-90 days. Invoice finance means I get most of the money within a day. Game changer for cashflow."
Mike S.
Electrician • London
Spark Commercial
Financed £150,000 facility"Was turning down big jobs because I couldn't afford the materials upfront. Now I invoice, get paid instantly, and buy what I need. Turnover up 40%."
David R.
Builder • Edinburgh
D.R. Construction
Financed £75,000 facilityReady to Get Started?
Get a free, no-obligation quote in minutes. Our team of trade finance specialists will find the best invoice finance deal for your business.
No impact on your credit score for initial quote
Competitive rates from our panel of lenders
Dedicated trade finance specialist assigned to you
Support throughout the entire application process
Invoice Finance Quote
Unlock cash in unpaid invoices
Frequently Asked Questions
Got questions about invoice finance? We've got answers.
You raise an invoice as normal and send a copy to the finance provider. They advance you 80-90% of the value within 24 hours. When your customer pays, you receive the remaining balance minus a small fee (typically 0.5-2%).
With factoring, yes - the factor contacts your customers directly for payment. With invoice discounting, no - it's confidential and you continue collecting payments as normal.
Most trade invoices to other businesses (B2B) are eligible. Invoices to consumers or those with payment disputes are usually excluded. Construction stage applications and certificates can also be financed.
Typically 80-90% of the invoice value upfront. The exact percentage depends on your industry, customer quality, and the finance provider. Construction typically gets 70-80%.
Costs are typically 0.5-2% of the invoice value plus an annual facility fee. The exact rate depends on your invoice volume, customer payment terms, and credit quality. We'll give you exact figures before you commit.
Typically 24-48 hours for initial setup and credit checks. Once set up, new invoices can be advanced within hours of submission.
No - it's widely used by successful, growing businesses. It's particularly useful when growing fast (need to fund materials before being paid), taking on larger contracts, or dealing with slow-paying customers.
With non-recourse factoring, the factor takes the risk of non-payment. With recourse factoring, you're responsible if the customer doesn't pay. We'll explain the options and implications clearly.