Invoice Finance: Unlock Fast, Flexible Cash Flow From Your Unpaid Invoices

Published on 13 October 2026

Authors

Phillip Evans

Founder & CEO

A 30-year career in finance, specifically in funding business growth and restructuring. With a love for creating fintech solutions, because accessing funding shouldn't be complicated.

Access up to 95% of your unpaid invoices in days – not months

Invoice finance is a short-term borrowing method where unpaid customer invoices are used as collateral to access immediate working capital, which is why many SMEs use invoice finance to smooth cash flow, unlock funds quickly and access working capital faster. Instead of waiting 30, 60 or even 120 days for your business customers to pay, you can release up to 95% of each invoice value within 24 hours - giving you the cash to pay suppliers, cover payroll, keep daily operations moving smoothly and invest in business growth without delay.

Invoice finance is an umbrella term that includes options such as invoice factoring and invoice discounting, enabling businesses to choose the right approach for their cash flow needs.

Invoice finance is a short-term borrowing method where unpaid customer invoices are used as collateral to access immediate working capital.

Through FundingSearch, UK businesses and commercial finance brokers can compare multiple invoice finance lenders and invoice finance products - including invoice factoring, invoice discounting and selective facilities - in minutes rather than weeks, unlike traditional bank loans. Whether you need to fund your £80,000 payroll this Friday using invoices due in 45 days, or release £250,000 against a £300,000 debtor book, the platform matches you to the right invoice finance provider based on your actual financial data, sector and debtor profile.

This page replaces and significantly expands the previous FundingSearch invoice finance page with more detail, up-to-date eligibility criteria, full cost breakdowns, and a comprehensive guide to every product type available in the UK market today.

Ready to explore your invoice finance options? Check eligibility online in under 5 minutes or book a FundingSearch demo to see the platform in action.

Finally, an invoice finance marketplace built for UK SMEs, brokers and lenders

Slow-paying customers create real damage. When there is cash tied up in outstanding invoices, payroll becomes stressful, supplier terms get stretched, it becomes harder to keep suppliers happy, and opportunities slip away. Between 2024 and 2026, many UK businesses have felt this pressure intensify as banks tighten overdraft facilities and the cost of traditional borrowing rises with the Bank of England base rate sitting at 3.75%.

Most SMEs and their advisers waste weeks emailing multiple invoice finance companies, filling out repetitive application forms, and receiving rejections from lenders whose criteria were never a good fit when they need quick access to funding. The process is fragmented, opaque, and unnecessarily slow.

FundingSearch is a UK commercial finance origination platform designed specifically for business owners, commercial finance brokers and lenders to match invoice finance deals faster and more accurately. The platform connects real-time accounting data from Xero and Sage alongside Companies House records to pre-qualify invoice finance applications and route them to the most suitable funders - cutting out guesswork and wasted effort.

Here is what that means for each audience:

• For SMEs: quicker approvals, better fit between facility and cash flow pattern, and fewer credit declines because your data is verified before it reaches lenders.
• For brokers: one application, many lenders - plus a full audit trail and deal pipeline tools that replace spreadsheets and email chains.
• For lenders: pre-filtered deals matched to your appetite by sector, debtor quality, facility size and risk tolerance, so you spend time on opportunities that actually fit.

Why FundingSearch works for invoice finance

Generic comparison sites treat all finance solutions the same. FundingSearch is different - it is a data-driven, multi-product commercial finance platform built by people who understand how invoice finance work actually gets done in the UK. Invoice finance is one of several asset classes on the platform, but this page is dedicated to it because of its critical importance for working capital across almost every industry sector.

Core benefits of using FundingSearch for invoice finance

• Faster decision-ready applications – Integrations with Xero and Sage pull your debtor ledgers, aged receivables and revenue trends automatically. Brokers and business owners no longer need to compile spreadsheets manually or chase clients for data packs that go stale within days.
• Smarter lender matching – The AI matching engine filters by sector, debtor concentration, average payment days, minimum invoice finance facility size and the specific risk appetite of each lender. You see only lenders who are genuinely likely to fund your deal.
• Higher approval rates – Using verified financial data from accounting software and Companies House reduces the discrepancies and rekeying errors that normally cause declines or delays. Lenders get cleaner applications; borrowers get faster answers.
• Time savings for brokers and advisers – Brokers can originate invoice finance alongside business loan products, asset finance and trade finance from a single case file. No more juggling separate workflows, logins and document requests across different platforms.
• Transparent options for borrowers – See clear, side-by-side comparison of advance rates, competitive rates, service fee structures, recourse vs non-recourse terms, notification type (disclosed or confidential invoice finance) and contract terms before you commit to a conversation with any lender.
• Better-quality deal flow for lenders – Lenders receive structured, standardised data packs including debtor books, concentration analysis and Companies House checks. This cuts the time required to review a case and issue terms, improving the experience for everyone involved.

How invoice finance works (step-by-step)

Invoice finance converts your B2B customer invoices into an ongoing working capital line. Rather than waiting for customer payments to arrive, a finance provider advances a percentage - typically 70–95% - of each eligible invoice, usually within 24 hours of upload, helping with managing cash flow day to day. The mechanics are broadly similar across most UK providers, with variations in advance rate, fees, concentration limits and whether the arrangement is recourse or non-recourse.

Step 1: Raise invoices to your business customers as normal

Invoice finance is designed for B2B sales on credit terms, usually 30–90 days, allowing businesses to offer credit rather than requiring immediate payment from customers, though some sectors such as construction, recruitment, manufacturing and wholesale may stretch to 120 days. To apply for invoice finance, businesses must provide invoices on credit terms for goods and services they supply, typically to other businesses rather than the general public.

Consider a Sheffield-based engineering firm that issues a £50,000 invoice on 60-day terms to a large PLC customer. The goods have been delivered, the work is complete and the invoice is undisputed. That invoice is now eligible to be financed.

The underlying trade must be completed - goods delivered or services rendered - and the invoice must be free from dispute. Contracts should allow assignment of receivables, supported by the UK Contract Terms (Assignment of Receivables) Regulations 2018 which prevent clauses that unreasonably restrict assignment.

Step 2: Connect your sales ledger to an invoice finance facility

There are two main set-up routes, and in suitable cases some facilities can be set up within 48 hours:

• Through FundingSearch – upload your basic company details, connect Xero or Sage, and be matched to lenders whose criteria align with your debtor book, sector and turnover. The platform handles the initial filtering so you only speak to providers who are a genuine fit.
• Direct with a lender – once matched, the lender sets up a facility with an agreed funding limit, advance rate, service fee and discount charge. Facility limits for a typical SME may range from around £50,000 to several million pounds, depending on the size and quality of your debtor book.

For more established businesses with larger sales ledgers, facilities can scale significantly. The key driver is always the value and creditworthiness of your outstanding invoices, not fixed business assets on your balance sheet.

Step 3: Draw up to 70–95% of each invoice within 24 hours

Once an invoice is uploaded or flows automatically from your Xero or Sage integration into the lender portal, the funding limit is checked in real time. Businesses can typically access funds from invoice finance within 24 hours of raising an invoice, subject to approval, which helps maintain consistent cash flow without waiting for customer payment terms.

A numerical example, showing how businesses can unlock cash from invoices already issued: if you submit a £100,000 batch of eligible invoices and your agreed advance rate is 90%, £90,000 becomes available to draw immediately. Some providers can deposit funds the same day if invoices are approved before a set cut-off time. Invoice finance allows businesses to unlock up to 90% of their unpaid invoices typically within 24 hours, which is faster than traditional loans or overdrafts that may take longer to process and disburse funds.

Step 4: Customer pays the invoice – in disclosed or confidential form

The two main collection models work quite differently:

• Factoring (disclosed): your customers pay into the lender's trust account and may interact with the lender's credit control team. The finance provider handles sales ledger management, chases payments, and helps collect payment from customers on your behalf.
• Discounting (confidential): your customers pay into your normal bank account as usual, with invoices treated as funds owed to the business. The lender collects via direct debit or sweeps the funds. Your customers remain unaware of the finance arrangement, preserving customer relationships.

FundingSearch can match borrowers to the appropriate style based on sector norms, the sensitivity of client relationships and whether you have the internal resource to manage your own credit control.

Step 5: Receive the remaining balance minus fees

When your customer pays the invoice, the lender releases the retained balance - typically the final 10–30% - after deducting two core charges:

• Service fee - usually a percentage of turnover put through the facility, covering administration and, in the case of factoring, credit control services.
• Discount/interest charge - a margin over the Bank of England base rate, charged on the funds actually in use for the period they are outstanding.

Here is a worked example using realistic 2025/2026 UK pricing: take a single £10,000 invoice advanced at 85% (£8,500) with a service fee of 1.5% and a discount rate of base rate + 3% (approximately 6.75% total) over 45 days. The service fee comes to roughly £150 and the discount interest to approximately £70–£80, giving a total invoice finance cost of around £220–£230 on that invoice - roughly 2.2% of its face value. Stronger cash flow can also support early payment with suppliers where useful. Annualised on the drawn sum, this translates to approximately 18–20% APR, reflecting the short-term nature of the funding.

What makes FundingSearch different for invoice finance?

FundingSearch is not itself a lender. It is an independent UK marketplace specialised in commercial finance, including invoice finance and asset based lending. The platform represents a shift from manual broker-led sourcing to data-led origination - founded in Sheffield in 2025 to bring transparency, speed and accuracy to how businesses access flexible funding solutions.

Outcome-focused, not feature-focused

Most invoice finance provider websites list products and jargon. FundingSearch focuses on outcomes:

• Reducing the time from "we've been offered a big contract" to "we can afford to deliver it."
• Turning debtor books into predictable working capital that scales automatically with sales - because the amount of funding available through invoice finance grows in line with business sales, providing a flexible financing option that adapts to the company's cash flow needs.

Unique differentiators for brokers, SMEs and lenders

• AI matching tuned for invoice finance risk – Matching criteria incorporate sector, debtor quality (blue-chip vs SME debtors), historic days sales outstanding, and concentration limits. This means the shortlist you receive is based on genuine lender appetite, not generic criteria.
• Verified financial data, not self-reported figures – Companies House filings, bank transactions (where available) and live accounting data cut fraud and misrepresentation risk, giving lenders the confidence to offer sharper terms and faster turnarounds.
• Multi-product journeys – Many working capital deals blend invoice finance with term loans, asset finance or trade finance. FundingSearch lets brokers structure these within one workflow instead of running separate applications across different platforms - supporting businesses that need more than a single funding solution.
• Support for complex invoice finance cases – The platform accommodates construction applications involving stage payments and applications for payment, recruitment facilities backed by timesheets, and export invoice finance - routing each case to lenders with genuine appetite in those industry sectors.

Types of invoice finance you can access via FundingSearch

Invoice finance is an umbrella term that includes options such as invoice factoring and invoice discounting, enabling businesses to choose the right approach for their cash flow needs. FundingSearch covers the main variants used in the UK market and helps match clients to the most suitable structure rather than assuming a one-size-fits-all product.

The two most popular types of SME invoice finance are invoice discounting, where the business retains management of its sales ledger, and invoice factoring, which involves handing over credit control to the finance provider.

Invoice factoring

Invoice factoring is an ongoing invoice finance facility where the finance provider advances funds against your invoices and manages some or all credit control on your behalf. Customers are typically notified that a factoring company is handling collections - this is known as a disclosed arrangement.

Factoring is ideal for fast-growing small and medium businesses and small businesses without a dedicated internal credit control team: recruitment agencies dealing with weekly payroll, transport firms, smaller manufacturers and other businesses where chasing debts diverts time from core operations. Many of these firms benefit from small business factoring as a tailored cash flow solution.

The advantages are compelling: time saved on chasing payments, improved collection discipline, and funding that scales automatically as turnover rises. Typical advance ranges reach up to 90–95% in strong cases, though the trade-off is higher service fees (reflecting the cost of sales ledger management and credit control services) and visibility to your customers that you are using a funding partner.

Invoice discounting

Invoice discounting allows businesses to access funding while managing their own credit control in a confidential manner, whereas invoice factoring provides full credit control and sales ledger management by the finance provider.

Invoice discounting is a confidential service where the business keeps control of its own sales ledger and collections. Customers are typically unaware of the finance arrangement, making it attractive for established businesses that want to maintain direct customer relationships.

Common eligibility thresholds for invoice discounting facilities are higher than for factoring: lenders usually expect a stronger internal finance function, minimum turnover levels (often £300,000 or more) and cleaner debtor profiles with limited concentration risk.

The advantages include lower service fees compared to factoring and invoice discounting in its full-service form, privacy, and full control over how you interact with customers. FundingSearch can filter lenders by their minimum turnover requirements, sector appetite and security requirements specifically for discounting - helping you avoid wasted applications to providers that are not a fit.

Selective / spot invoice finance

Selective invoice financing allows a business to choose individual invoices or specific debtors to finance rather than assigning its entire sales ledger. This is a genuinely flexible approach that suits businesses with intermittent or seasonal cash flow gaps.

Practical examples include funding a one-off large export order, smoothing seasonality in a wholesale business before Christmas, or bridging a short-term gap during a turnaround. In some cases there is no long-term contract - you pay only when you draw, making it suitable for smaller or newer businesses that fall below traditional facility thresholds.

FundingSearch includes lenders specialising in flexible invoice finance solutions with pay-as-you-go pricing, so even businesses that do not need - or want - a whole-ledger facility can find an appropriate funding solution.

Export invoice finance and trade-related structures

Export invoice finance is designed for UK businesses selling overseas in GBP, EUR or USD, where payment cycles are often longer and risks are more complex. Issues such as currency risk, jurisdiction differences and country credit limits require specialist lender expertise.

Specialist providers address these risks through country-specific credit limits, non-recourse options and currency hedging facilities. FundingSearch's filters can identify lenders happy to fund specific geographies - whether EU, US or selected emerging markets - so exporters do not waste time approaching providers without international appetite.

Bad debt protection / non-recourse options

Understanding the difference between recourse and non-recourse arrangements is essential. In standard recourse arrangements, the business is liable to repay the advanced funds if the customer defaults on the invoice, which means the risk still depends on reliable future payments from customers. In non-recourse or bad debt protection arrangements, the finance provider absorbs certain specified bad debts, subject to conditions and credit limits.

Consider a scenario where a major customer enters insolvency unexpectedly. Without bad debt protection, a business could face a six-figure loss and be required to repay the advanced funds. With non-recourse cover, the funder absorbs that loss within agreed parameters.

Some invoice finance companies offer built-in protection as part of their standard facility. Others bolt it on as an optional extra, typically at a cost of 0.5–2% of turnover. FundingSearch surfaces both options at quote stage so you can make an informed comparison.

Who invoice finance is for – and when it makes sense

Invoice finance is a strategic working capital tool, not a last resort. It supports businesses of all sizes - from small companies raising their first invoices to mid-market firms processing millions annually. FundingSearch is focused on UK limited companies and LLPs trading B2B, helping both small and large businesses find the right facility.

Businesses that benefit most from invoice finance

Invoice finance is valuable for businesses facing long payment cycles or cash flow dips. The sectors that benefit most include:

• Recruitment and staffing agencies funding weekly or fortnightly payroll against monthly client payments.
• Manufacturers and wholesalers supplying large retailers or OEMs on 60–90 day credit terms, often using asset finance to fund equipment and machinery alongside their invoice finance facilities.
• Transport and logistics firms juggling fuel, maintenance and driver wages against slow debtor cycles.
• Construction subcontractors dealing with staged payments and certified applications for payment.
• Professional services firms - IT support, marketing agencies, consultancies - with lumpy project-based billing and long payment windows.

Typical triggers for exploring invoice finance

Specific events often push businesses to explore their invoice finance options:

• Winning a large contract that stretches working capital beyond what existing cash reserves can support.
• Rapid sales growth where bank overdraft limits have not kept pace with business cash flow demands.
• Customers extending terms from 30 to 90 days to meet their own cash targets, leaving you waiting longer for money you have already earned.
• Seasonal peaks requiring extra stock purchases or temporary staff before revenue catches up, where fast emergency business loan solutions may also be considered alongside invoice finance.
• A bank reducing or withdrawing an overdraft facility, leaving a gap in flexible funding solutions that may require exploring bad credit business loan options as well as invoice finance.
• Management buyouts or restructurings needing predictable day-one cash flow to maintain operations.

Eligibility: is your business likely to qualify?

Eligibility for invoice finance can vary by provider, but businesses generally need to demonstrate a minimum turnover and a consistent volume of invoices to qualify for funding; some will instead be better served by unsecured business working capital loans. Common UK eligibility markers include:

• Trading B2B with clear, contract-backed invoices for goods delivered or services rendered.
• A creditworthy customer base, ideally with limited concentration risk - lenders often enforce concentration limits in invoice finance, which may lead to funding refusals if a large portion of sales is dependent on a few customers.
• Invoices typically paid within 30–90 days; beyond 120 days becomes more difficult and usually attracts higher fees.
• Recent financials and up-to-date accounting records - easier and faster if you are using Xero or Sage.

FundingSearch's intake questions and data integrations help flag upfront whether invoice finance is suitable for your business or if another product - such as a business loan or broader asset based lending facility - might be a better fit.

Invoice finance vs bank loans and overdrafts

Many UK businesses default to overdrafts or term loans for working capital, but invoice finance can be more flexible and scalable - particularly when cash is tied up in unpaid invoices and your business trades on credit terms. Understanding the key differences helps you choose the right financial solutions for your situation.

Key differences

• Security and collateral – Traditional loans are typically secured against property, fixed assets or personal guarantees. Invoice finance eliminates the need for high-value physical property or personal guarantees as collateral - security is the debtor book itself, making it ideal for asset-light businesses.
• Scalability – Loans and overdrafts are fixed limits that require renegotiation to increase. The amount of funding available through invoice finance grows in line with business sales, providing a flexible financing option that adapts as you grow, unlike fixed loans that do not adjust based on sales performance.
• Repayment structure – Business loan repayments follow a fixed monthly schedule regardless of income timing. Invoice finance repays itself naturally as your customer pays their invoices, aligning funding with your actual revenue cycle.
• Speed of access – Invoice finance facilities can often be set up in days once underwriting is complete, with ongoing draws available same or next day. Traditional loans and overdrafts typically require longer processing and approval timelines.
• Debt and balance sheet impact – Unlike traditional loans, invoice finance does not require businesses to take on additional debt, as it is based on the value of invoices already issued, making it a more efficient use of existing capital. A revolving invoice finance facility is treated differently on the balance sheet from a term loan, reflecting its self-liquidating nature.
• Cost considerations – The combined costs of service fees and interest charges for invoice finance generally exceed those of traditional business loans on a pure rate comparison. However, when factored against the speed of access, scalability and absence of fixed asset security requirements, many businesses find the overall value compelling.

FundingSearch allows brokers and businesses to compare invoice finance side by side with other working capital options - including business banking products and asset finance - within the same journey, so you can see exactly which solution delivers the best outcome for your specific situation.

Costs, fees and what to watch out for

Invoice finance is a powerful tool for business cash flow, but it must be understood clearly before you commit. This section is designed to help you ask the right questions and compare providers on a like-for-like basis.

The typical cost components of an invoice finance agreement are:

• Service fee - a percentage of turnover put through the facility, typically ranging from 0.5% for larger, more established businesses to 3.5% for smaller firms or full-service factoring arrangements.
• Discount rate - a margin over the Bank of England base rate (currently 3.75%), applied to funds actually in use. Typical margins range from base + 1% to base + 3.5%, giving an effective rate of approximately 4.75–7.25% per annum depending on business size, debtor quality and facility structure.
• Additional fees - arrangement or setup fees, periodic audit charges, minimum annual service charges, non-utilisation fees, trust account fees, CHAPS or same-day payment charges, and disbursement costs. These can materially affect total finance cost even when headline service and discount margins look competitive.

Realistic 12-month cost scenario: A business with £1.5 million annual turnover processes £1.2 million through its invoice finance facility. With an advance rate of 85%, average debtor days of 45, a service fee of 1.2% and a discount margin of base + 2.5% (approximately 6.25%), the annual cost would be roughly:

• Service fee: £14,400 (1.2% × £1.2m)
• Discount charge: approximately £7,800–£9,500 (on the average drawn balance over the year), which may still compare favourably with short-term bridging loan facilities for cash flow if the requirement is purely temporary
• Total annual cost: approximately £22,000–£24,000, or around 1.8–2% of the turnover processed through the facility.

Beyond price, several non-price factors matter just as much:

• Contract length and notice periods - many providers require 12-month minimum terms with 3–12 months' notice for termination. Exit fees may apply.
• Funding concentration limits on large customers - if one debtor represents too large a share of your sales ledger, the available advance on those invoices may be capped.
• Sector exclusions or debtor restrictions - some lenders will not fund certain sectors (construction, export to specific countries) or debtor types, in which case alternative options such as short-term bridging finance for businesses and property may be more appropriate.

FundingSearch helps borrowers and brokers see these terms upfront when comparing lenders, and its commercial lending software for funders ensures lenders receive standardised, decision-ready cases, so there are no surprises after you have committed to a facility.

How FundingSearch fits into your invoice finance journey

Whether you are a business owner exploring invoice finance for the first time or a broker managing dozens of client facilities, FundingSearch streamlines the entire process from initial enquiry to live facility.

Step 1: Share your business and debtor details

The platform asks for straightforward information to get started:

• Basic company details and sector.
• Approximate annual turnover and typical monthly invoicing volume.
• Average payment terms and debtor concentration - who your top customers are and how much each represents.
• Preferred facility type (factoring, discounting, selective) if you already have a view.

Optional integrations with Xero and Sage can pull this data directly, improving accuracy and saving significant time - particularly for brokers managing multiple cases.

Step 2: Our AI matches you with suitable invoice finance lenders

FundingSearch's algorithm screens lenders by:

• Minimum and maximum facility size.
• Sector and debtor appetite - whether a lender will fund construction, export, recruitment or other specialist areas.
• Preferred facility structures, recourse vs non-recourse options, and risk tolerances.

The result is a shortlist of lenders for the broker or business owner, with indicative advance rates and pricing where available. No more guessing which providers might say yes.

Step 3: Compare options and progress applications in one workspace

From a single dashboard, users can:

• See exactly which documents each lender needs - bank statements, aged debtor reports, contracts, recent management accounts.
• Upload documents once and share them securely with multiple lenders simultaneously.
• Track questions, offers and application statuses in real time.

This replaces the chaos of email chains and spreadsheets, reducing admin for brokers and company directors alike and ensuring nothing falls through the cracks.

Step 4: Choose a facility and go live

Once a term sheet is accepted, typical next steps include:

• Legal documentation and debenture setup where required.
• An onboarding call and training session on the lender's portal.
• A test batch of invoices funded to confirm the process works smoothly before scaling up.

FundingSearch continues to serve as a long-term origination and portfolio tool for brokers managing multiple facilities across clients - supporting the ongoing relationship between businesses, their advisers and their lenders.

Proof that invoice finance works in the real world

Theory is useful; outcomes are what matter. Here are concrete examples of how invoice finance has supported UK businesses:

• A Yorkshire-based haulage company used a £400,000 invoice finance line to reduce average debtor days from 72 to 38, freeing up enough working capital to take on a new national contract without needing additional debt.
• A digital marketing agency used selective invoice finance to cover a £120,000 HMRC VAT bill while waiting for two enterprise clients to pay. This avoided an overpriced overdraft extension and kept cash flow stable during a critical growth phase.
• A recruitment business switched from an expensive overdraft to factoring, enabling 30% headcount growth over 12 months without ever missing payroll. The factoring provider's credit control services also reduced the agency's internal admin burden, letting the team focus on placing candidates.

The scale of the opportunity is significant: approximately 33,000 SMEs in the UK utilise invoice finance to enhance their cash flow, with a total of £21.5 billion funded to businesses, demonstrating its effectiveness in supporting business growth. Meanwhile, the British Business Bank estimates that UK businesses have approximately £23.4 billion in late invoices outstanding - highlighting just how much cash remains tied up in unpaid invoices across the economy.

Pricing and access: how much does it cost to use FundingSearch?

FundingSearch's commercial model is designed to be accessible and transparent:

• Borrowers (SMEs) can access the matching platform to explore their invoice finance options without the underlying facility pricing being set by FundingSearch. The service fee, discount rate and other charges are determined by each individual lender based on the borrower's profile.
• Brokers and lenders pay subscription or licence fees for access to the origination platform, deal pipeline tools and multi-product workflows.

For brokers, access tiers range from basic functionality - suitable for smaller practices managing a handful of invoice finance cases per month - to advanced feature sets designed for larger intermediaries handling high volumes across multiple asset classes including invoice finance and asset based lending.

For lenders, the platform supports multiple asset classes and team-based usage, allowing efficient management of inbound deal flow from pre-qualified sources.

The best way to understand which plan fits your needs is to book a short demo. The FundingSearch team can walk you through the platform and provide an indicative ROI based on your typical deal volume.

Get started with invoice finance through FundingSearch

Unpaid invoices hold back thousands of UK businesses every day. Invoice finance unlocks that cash - providing scalable, flexible working capital that grows with your sales, matched through a data-driven platform that saves time for everyone involved.

Here are your next steps:

• SMEs: create a free FundingSearch profile, connect Xero or Sage and answer a short questionnaire about your debtor book. You will receive matched invoice finance options without any obligation.
• Brokers: book a short online demo to see how to source invoice finance, business loans, asset finance and more from one platform - and how it can support growth across your client portfolio.
• Lenders: contact FundingSearch to discuss joining the marketplace and receiving pre-qualified invoice finance opportunities matched to your appetite.

Check your invoice finance options in under 5 minutes. There is no obligation and no impact on credit scores for simply exploring what is available. If your cash is tied up in unpaid customer invoices, the fastest route to freeing it starts here.