Get Up to 95% of Your Invoice Value in 24 Hours
Turn unpaid invoices into working capital, so a slow-paying client never holds your business back.
Let's start with the basics.
Takes 15 seconds. No credit check, no obligation.
What is your estimated annual turnover?
Roughly is fine.
Tell us about your business.
Your postcode helps us match quotes accurately to your area.
Where should we send your quote?
Last step — we'll call to confirm your offer.
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How Does Invoice Finance Work?
Apply Online
We'll ask a few simple questions about your business and what kind of invoice finance you're looking for. The application only takes a few minutes, and you'll only need to tell us once.
Compare Quotes
Start browsing dozens of competitive invoice finance quotes. All offers are from FCA-approved lenders and are tailored to your needs.
Receive Your Payment
The finance company will take a day or two to approve your application, then they'll send the cash immediately to your account.
What Is Invoice Finance?
Invoice finance is an umbrella term for invoice factoring, invoice discounting, and selective invoice finance. It is a quick and easy way for UK businesses to unlock cash against unpaid invoices.
A finance provider buys your customer's unpaid invoices and advances you a large share of the money upfront (usually 80-95%). Depending on which facility you choose, when the invoice is due, your customer either pays you or the provider. The provider then settles the rest of the invoice amount, minus fees.
Invoice finance is ideal for B2B businesses operating in recruitment, manufacturing, hospitality, and more.
Apply for Invoice FinanceThe Benefits of Invoice Finance for UK Businesses
Many small-medium-sized businesses choose invoice finance over traditional bank loans because it offers more flexibility, faster access to cash, and better supplier terms.
Cash in 24-48 Hours
No waiting around for complicated loan approvals. Invoice finance unlocks immediate working capital from money you're already owed.
Funding That Grows with You
Your borrowing limits will automatically increase along with your sales ledger, so you can enjoy flexible access to cash when you need it.
Smooth Operations
Say goodbye to complicated admin and long applications. Simply plug your cash flow gaps and focus on running your business.
No Large Debt Repayments
Because you're accessing money you've already earned, you can avoid the large monthly repayments and heavy commercial debt that come with traditional bank loans.
One enquiry, multiple lenders — not one bank's take-it-or-leave-it offer.
We're a broker, not a lender. Instead of applying to one bank and hoping for the best, we compare your invoice against a panel of FCA-authorised lenders and bring back the strongest offer — at no extra cost to you.
Who Is Invoice Finance For?
B2B Companies
If your business provides products or services on credit, you may qualify for invoice finance. Instead of waiting 30 to 90 days for corporate clients to settle their bills, you can unlock immediate working capital to cover the daily costs involved in running your business.
Startups and Scaleups
Need flexible funding that grows alongside your sales? Invoice finance provides fast access to cash without requiring you to put down hard collateral or give up equity. Traditional banks rarely lend to young companies, but invoice finance allows you to fund rapid growth safely and flexibly.
Manufacturing & Construction Businesses
Businesses in manufacturing and construction often use invoice finance to fund large upfront costs like raw materials, specialised equipment, and subcontractor wages, rather than waiting weeks or months for clients to pay.
Am I eligible for invoice finance?
You'll generally be eligible if you run a B2B or B2G company that sells goods or services to other businesses on credit. Providers automatically assess your eligibility when you apply.
A structure for how your business actually gets paid.
Factoring
Learn more →Invoice Discounting
Learn more →Selective Invoice Finance
Learn more →Single Invoice Finance
Learn more →How Much Does Invoice Finance Cost?
The cost of invoice finance depends on a number of factors, such as your specific provider, your customers' payment terms (30 vs 90 days), and the Annual Percentage Rate (APR).
Providers usually charge between 1 and 5% of the invoice's total value for a discounting or factoring facility. You may also pay a service fee, which is a flat percentage of your total gross turnover (0.5 to 3%). APR may be around 2% of the invoice's total cost per 30 days.
Invoice discounting is usually slightly cheaper than invoice factoring, because you retain control of your collections process. Invoice finance generally costs more than a traditional bank loan because you're paying for faster access to cash and more flexibility.
Additional costs can include monthly minimums, transaction transfer fees, and exit penalties. InvoiceWise is here to help you find the best deal possible with FCA-approved lenders.
See what financing your invoice could look like.
Plan your cash flow before you talk to a lender.
Built for how your sector actually gets paid.
Four reasons businesses stay with us.
Fast decisions
Funds within 24 hours of approval, not weeks of back-and-forth.
The right structure for you
Factoring, discounting, selective or single-invoice — we help you pick, not just sell one product.
Transparent fees
One clear fee, confirmed before you accept. No hidden charges buried in small print.
No long-term tie-in
Fund a single invoice or your whole ledger — your choice, every time.
Keeping your data safe and secure.
Handing over your financial data requires absolute trust. We only ever partner with regulated UK lenders who treat your commercial information with total respect and strict data compliance.
Common misunderstandings about invoice finance.
Many UK businesses leave money on the table because of outdated ideas about who invoice finance is for.
"It costs a lot."
Our providers offer rates as low as 0.05%, in some cases less than a traditional bank loan. Fees scale with the amount you're borrowing.
"It means you're struggling."
Many successful UK businesses use invoice finance, including those with turnovers over £1m. It's a scalable way to grow without taking on heavy debt.
"It ruins your public image."
With confidential arrangements like invoice discounting, your customers don't even need to know you're using it.
"Our biggest client moved to 60-day terms overnight. We financed that first invoice within a day and never had to delay payroll while we waited for them to catch up."
Invoice Finance FAQs
Guides for UK business owners.
Disclaimer: The information on our site is provided as general information only and does not in any way constitute financial advice. We do not provide financial advice or make recommendations regarding our financial solutions. Any information, guides, or calculators are for illustration purposes only. Before you make any financial decision, you should conduct your own financial diligence where appropriate.