Invoice Finance

Stop waiting for slow-paying customers. Turn your unpaid invoices into immediate cash flow and get up to 90% of their value in 24 hours.

Get paid today. Not in 30 days.

Waiting 30, 60, or 90 days for customers to pay their invoices? Invoice finance turns those unpaid invoices into immediate cash flow. Instead of letting unpaid invoices slow you down, you can release up to 90% of their value in as little as 24 hours.

Invoice financing works for any business that invoices other businesses. Whether you’re a manufacturer waiting for big orders to be paid or a consultancy with monthly retainers, we’ll match you with invoice finance companies that understand your sector and offer competitive rates.

What is invoice finance?

Invoice finance helps you unlock the cash tied up in unpaid invoices, so you don’t have to wait weeks (or months) for customers to pay. A lender advances you up to 90% of the invoice value, and once your client pays, you receive the rest minus a small fee.

It’s not a loan, and it doesn’t add debt. You’re simply fast-tracking money you’ve already earned to cover costs, manage cash flow, or invest in growth without the usual delays.

There are a few different ways to use it, depending on how hands-on you want to be with collections. Whether you finance a handful of invoices or your entire sales ledger, invoice finance puts your cash flow on your terms – not your customers’.

Learn more about invoice finance

How does invoice financing work?

Invoice financing is built to move quickly. Here’s how it works:

You raise an invoice. As soon as you issue it to your customer, you can submit it to your finance provider.
You get an advance. The lender releases up to 90% of the invoice value – often within 24 to 48 hours. That’s money in the bank before your client pays.
Your customer pays as usual. When the invoice is due, your customer pays either you or the lender (depending on the setup).
You get the final balance. Once payment is received, you’ll get the remaining amount – minus the lender’s fee.

There’s no need to finance every invoice. You can fund one, a few, or your entire sales ledger. And because the financing is tied to your receivables – not your credit score – decisions are often faster and easier than with traditional loans

Start your application

Who can use invoice finance?

Invoice finance works best for B2B businesses that invoice clients on payment terms – typically 30, 60, or 90 days. If you’re waiting to get paid but need to cover costs now, it’s likely a fit.

It’s ideal for:

Growing businesses that want to reinvest without waiting on late payers.
SMEs with long payment terms (especially in manufacturing, logistics, recruitment, and services).
Seasonal businesses that need to smooth out cash flow peaks and troughs.
Companies with big-ticket invoices and strong customer relationships.
Startups and newer businesses with reliable receivables, even if they don’t qualify for traditional loans.

See if you’re eligible

Invoice Discounting

You get an advance on your unpaid invoices, but you remain responsible for collecting payment from your customers. It’s fast, discreet, and your clients won’t know a lender’s involved.
Learn more
Invoice Factoring

In this model, the lender manages collections for you, chasing and receiving payment directly from your clients. It saves time and reduces hassle, especially if cash flow management is tight.
Learn more
Selective (or Spot) Invoice Finance

Rather than financing your entire sales ledger, you choose which invoices to fund. It’s ideal if you only need short-term support or want to stay flexible.
Learn more

How to apply

Applying for invoice finance is quick and straightforward. Just tell us a bit about your business – who you invoice, how much you’re owed, and what you’re looking to fund. From there, we’ll match you with lenders who understand your industry and offer terms that make sense for your cash flow.

Once you’ve reviewed your options and chosen a lender, the rest moves quickly. Most businesses receive a funding decision within hours, and the first advance can land in your account as soon as the next working day.

We’ll handle the legwork, flag any requirements upfront, and guide you from application to funding without the usual paperwork or delay.

Apply in minutes

Chris

TrustPilot Review

We worked with Greenwood Capital to secure business finance, and the whole process exceeded our expectations. The team was professional, transparent, and genuinely took the time to understand our needs. The funding arrived exactly when we needed it. We’d highly recommend them to any business looking for reliable support.

Speak to a specialist

Frequently asked questions

We’ve answered some of the most common questions below, from how quickly we can fund to what kind of businesses we support.

Does invoice financing affect credit score?

Applying for invoice finance won’t affect your credit score. Most lenders only run soft checks or base decisions on your receivables, not your personal or business credit file. That means you can explore your options without any impact on your credit rating.
Is invoice financing secured or unsecured?

Invoice financing is typically unsecured. You don’t need to offer property or assets as collateral. Instead, the unpaid invoices themselves act as the security. That makes it a flexible option for businesses without hard assets or those looking to avoid traditional secured lending.
What is the advance rate for invoice finance?

Most invoice finance providers offer advance rates between 70% and 90% of the invoice value. The exact percentage depends on your industry, customer base, and trading history. The remaining balance (minus fees) is released once your client pays the invoice.

Get your cash flow moving

Fed up with waiting months to get paid? You’re not alone. We’ll connect you with the right invoice finance provider so you can get back to running your business. Let’s have a chat about your options.

Put your invoices to work