Invoice Finance · For businesses that invoice on credit terms

Stop being your customers' bank

You've done the work and sent the invoice, then wait 30, 60, even 90 days to be paid. Invoice finance releases up to 90% of that cash within 24 hours, so slow payers stop holding your growth hostage.

Check your eligibility or call 01234 413349

Takes 2 minutes · Won't affect your credit score

Your invoice£10,000
  • Released now within 24 hours£9,000
  • Balance when your customer pays£1,000

You receive the full £10,000 just sooner. Only a small fee applies.

£250,000 Recruitment agency facility · funded same week £1.2m Invoice discounting · Manufacturer · confidential 85% advance released · Haulage firm · within 24 hrs £40,000 Selective factoring · Wholesaler · one invoice £250,000 Recruitment agency facility · funded same week £1.2m Invoice discounting · Manufacturer · confidential 85% advance released · Haulage firm · within 24 hrs £40,000 Selective factoring · Wholesaler · one invoice
FCA Regulated
75+UK lenders
Up to 90%advanced
24 hrsto funding
★★★★★rated on Google

A national broker with a personal touch

We've helped businesses the length and breadth of the UK, from a single van to fleets, from start-ups to multi-site operations. Big enough to deliver, small enough to care.

£125m+
Funding arranged
400+
UK businesses backed
75+
Lenders on our panel
24hr
Typical decision time

Choosing your facility

Factoring vs invoice discounting

Two ways to release the cash in your invoices, the main difference is who chases payment. We'll help you pick the right fit.

Factoring

We chase payment for you

  • We manage your credit control & collections
  • Your customers pay the lender directly
  • Frees up your time to run the business
Best for growing businesses without a credit-control team
Invoice discounting

You stay in control

  • You keep managing your own collections
  • Usually confidential, your customers needn't know
  • You remain the face to your customers
Best for established businesses with their own finance team

The late-payment problem

You've done the work, you shouldn't wait months to be paid!

Late payment is one of the biggest pressures on UK businesses today. Invoice finance is the most practical way to take it off your plate.

£26bn
owed to UK businesses in late payments at any one time
Source: Small Business Commissioner
51 days
the average time UK businesses now wait to actually get paid
Source: Sidetrade, 2025
42%
of SMEs couldn't pay staff on time due to late payment last year
Source: Bibby Financial Services

Get paid in days, not months, and put cash flow back in your control.

Check your eligibility

How it works

How invoice finance works

1

Raise your invoice

Invoice your customer exactly as you do now, on your usual terms.

2

Get up to 90% upfront

We advance most of the invoice value to you within 24 hours.

3

Your customer pays

They settle on their normal terms, we can chase for you, or keep it confidential.

4

Receive the balance

The rest is released to you, minus a small fee. Simple.

Who it's for

Made for businesses that invoice other businesses

If you sell to other businesses on credit terms, invoice finance can unlock the cash you're owed. These are the sectors we help most.

Recruitment & staffing

Pay contractors weekly while your clients pay monthly.

Manufacturing

Fund materials and big orders without waiting to get paid.

Wholesale & distribution

Keep stock moving while invoices are still outstanding.

Transport & haulage

Cover fuel, wages and fleet costs between jobs.

Construction & trades

Smooth out stage payments and long project terms.

Business services & agencies

Bridge the gap between billing and getting paid.

Invoice finance FAQs

What is invoice finance?
Invoice finance releases the cash tied up in your unpaid invoices. Instead of waiting weeks or months to be paid, you receive up to 90% of an invoice's value within 24 hours, with the balance, less a small fee, released when your customer pays.
What's the difference between factoring and invoice discounting?
With factoring, the lender also manages your credit control and collects payment from your customers. With invoice discounting you keep control of your own collections, and it's usually confidential, your customers needn't know. We'll help you choose the right fit.
How much of each invoice can I release?
Typically up to 85–90% of an invoice's value upfront, with the remainder released to you once your customer settles.
How quickly can I access the cash?
Once your facility is set up, advances are often available within 24 hours of raising an invoice.
Will my customers know I'm using it?
Not necessarily. Invoice discounting is usually confidential. With factoring, your customers may be aware, as the lender handles collections on your behalf.
What does it cost?
Costs usually involve a service fee plus a discount charge on the amount advanced, and depend on your turnover, sector and customers. As a credit broker we compare the market for competitive terms and set out the costs clearly before you commit. We may receive a commission from the lender, which varies and is confirmed before you proceed.

Ready to get started?

Let's free up your cash flow

Check your eligibility in two minutes and release the cash in your invoices. No obligation, no impact on your credit score.

Call our team: 01234 413349 Check your eligibility online

Access Business Finance Ltd is a credit broker, not a lender, and an Appointed Representative of EFT Finance Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 667290). We may receive a commission from lenders, which varies by lender and will be confirmed before you proceed.

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