Our invoice finance solutions work for small businesses who have cash flow issues caused by the delay between issuing invoices and getting paid. Or have issues getting credit. They also work for companies who must invest capital up-front (either for stock or materials) before they can sell the goods on to their customers.

A typical client is an owner-managed business with a turnover of between £100,000 and £5,000,000.

Of course. You can even speak to our MD, Perry Burns. He and his team will help you work out which of our solutions is right for your business and for the specific challenge you face. You can talk to us without any obligation call us on 020 8203 6500.

We are backed by a network of private individuals and a European investment bank who want to help small businesses to improve their cash flow.

Our principle security is in the debts we purchase or the goods we finance for you.

If your customer goes bust, then we have your back and will protect you as a client, because we will have credit insurance on your behalf at no extra cost. We credit ensure in the event of something happening so that neither you or we will suffer the consequences.

We also ask for a debenture so that other lenders can see that we have lent you money and finally we ask the directors to guarantee the invoices.

We are quick. We will often have a decision in principle within 2 hours and you could have cash in your account within 2 days. Our paperwork is simple and straightforward.

You will have a personal relationship with our expert team who will know you and your business and are motivated to make sure that you get outstanding service.

That’s why we get the Trust Pilot ratings that we do and are consistently at the top of our industry.

To finance your business most efficiently, you should match the term of your borrowing to the life of the project. So, if you are buying a long-term asset such as a piece of equipment or a vehicle, then a loan or a lease may well be the most appropriate method. But for cash flow, invoice or purchase order, invoice finance is far better because the loan is paid off more quickly and leaves you free to raise other finance as and when needed.

How it works

You can borrow up to 85% of the value of your invoices. The limit will be agreed up front and you control how much of that limit you utilise. The fees will be calculated on what you actually draw down.

You will obviously incur a higher fee because you have borrowed the cash for longer.

We will have a conversation about who is going to chase the client. We will leave collection with you unless there is any reason to suspect that there may be a collection problem. But ultimately, we have the right to chase them ourselves if it drags on.

We have a very simple online platform that allows you to upload and remove invoices and manage your facility.

The fee is expressed as a percentage of the invoice value, but it's based on 2 factors: the amount you borrow and the length of time you use the cash (from draw down to the time your customer settles the invoice).

Yes. If your customer agrees that the goods or services have been delivered, any invoice can be eligible for invoice discounting.


You must be a limited company with a verifiable debt to a creditworthy customer.

We are obliged* to lend responsibly and have undergone the appropriate Anti-money-laundering and Fraud-prevention checks. We are also proud to play our part in helping to prevent fraud, by sharing intelligence with other finance companies.

* NB – This is via both UK Finance and the FCA.

It’s best to have a conversation first so we can assess, and we will give you immediate feedback on the right solution for you and your business’s needs. You can also go straight to our online application form and one of our experience consultants will call you straight back.

We can usually give you a decision in principle within 2 hours. We will then send you an offer by email. The due diligence process is quick and rarely takes more than 1-4 days depending on how your business works. We work as fast as you need us to.

We run some non-invasive checks on your company to make sure that it doesn’t have any claims against it. We also make sure that we are talking to the registered directors.

We get this question a lot. As a member of UK Finance there is a standard procedure for transferring from one factor to another. If you and your current financier are happy to move your account, the transfer can be completed in less than a day

You could say that we are giving you real money today for your assurance that the debt is collectable in the future. So naturally, we need to ensure the reliability of your customers, as that is the basis of our security. We do this by verifying the goods invoice and checking that your customer is credit worthy.

We charge a small setup fee of between £150 and £500 + VAT depending of the size of the facility.

Yes, but let me explain why. We need some protection in case you run into difficulties. So we ask you to sign a debenture (so we that we have priority in getting our money back if things go wrong). We also ask you to give a personal guarantee as a way of ensuring that if the worst happens, the directors will be motivated to work with us to ensure that we can recover our investment.

We are able to introduce you to companies who will insure you personally if it is necessary to call on your guarantee.

We will advise you on what you need to do to make your business eligible for our invoice finance solutions. This could be something as simple as establishing more robust contract terms with your customers.

Privacy & Security

Absolutely! Firstly, we are a member of UK Finance which is the most trusted authority in the factoring sector. Don't just take our word for it. We also have plenty of recommendations from happy clients on Trust Pilot you can check out.