Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Invoice Finance for UK Businesses: Unlock Cash Flow Quickly
Summary: Invoice finance turns unpaid invoices into working capital, helping UK companies release cash fast without waiting for customer payment. Fast Business Loans doesn’t lend money — we match businesses (minimum finance typically £10,000) with the most suitable lenders and brokers to secure invoice factoring, discounting or spot funding. Complete a Free Eligibility Check and we’ll connect you to trusted partners who can provide quotes and next steps.
What is invoice finance and how does it work?
Invoice finance is a commercial funding solution that allows businesses to access a large portion of the value of outstanding invoices immediately, rather than waiting 30–120+ days for customers to pay. The two main models are invoice factoring and invoice discounting; both provide fast liquidity but differ in how collections and confidentiality are handled.
Typical process:
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
- Apply or submit basic details via our quick enquiry form (Free Eligibility Check).
- Fast Business Loans matches you with lenders/brokers who specialise in invoice funding for your sector.
- The chosen funder reviews your ledger and debtors; if acceptable they offer terms.
- On acceptance you receive an initial advance (often 70–90% of invoice value) with the balance, less fees, released when the customer pays.
Timeline: many businesses receive a decision or initial offer within 24–72 hours after final documents and invoices are submitted; speed varies by partner and the complexity of the account.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Note: The enquiry you submit is not an application and does not affect your credit score. It simply helps us match you with lenders who can assess your needs.
Quick comparison: Factoring vs Discounting
Invoice Factoring
- Lender typically manages collections and may contact your customers.
- Good for businesses that prefer to outsource debtor management.
- Often easier for companies with weaker credit history, provided debtors are strong.
Invoice Discounting
- You retain control of collections; lender provides funds confidentially.
- Suitable where customer relationships must remain private.
- May require stronger internal finance controls and reporting.
Free Eligibility Check — tell us about your invoices and we’ll recommend the best model.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Why consider invoice finance for your business?
- Immediate cash flow: convert unpaid invoices into working capital to cover payroll, suppliers or new orders.
- Scalable funding: facilities grow with sales — the more you invoice, the more you can access.
- Smoother growth: avoid turning down work because of short-term cash constraints.
- Protect working capital: use for supplier discounts, inventory, or to seize new opportunities.
- Flexible options: spot financing is available for one-off needs, while ongoing facilities suit regular cashflow support.
Sector examples: manufacturers using invoice finance to buy raw materials, recruitment firms smoothing payroll between placements, logistics companies funding fuel and maintenance while awaiting customer payment.
Areas where invoice finance can help
Invoice finance is commonly used for:
- Bridging cashflow gaps between invoicing and payment
- Funding seasonal peaks or one-off large contracts
- Supporting payroll and supplier payments
- Buying stock to fulfil large orders
- Giving headroom to win discounted supplier terms
Want a tailored match? Get Quote Now — our matching process is free and non-binding.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
How Fast Business Loans matches you with invoice finance partners
We simplify the search and comparison process. Here’s what happens when you submit an enquiry:
- Quick Enquiry: fill a short form (under 2 minutes) so we understand your business, turnover and invoice profile.
- Expert Match: our system and team select lenders/brokers experienced with businesses like yours.
- Rapid Contact: matched partners contact you directly to discuss terms and request supporting documents.
- Compare Offers: review multiple proposals and choose the one that fits your cost, control and contract preferences.
We never charge you to be matched. Fast Business Loans is an introducer — we don’t lend, and the enquiry is not an application. Start your enquiry with a Free Eligibility Check.
For more detail on invoice funding options see our main pillar on invoice finance.
Eligibility snapshot: can your business qualify?
Typical lender criteria:
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
- Minimum facility size usually starts around £10,000.
- Primary focus on the quality and reliability of your debtors (who owes you money).
- Business structure: limited companies and SMEs that invoice other businesses or public sector clients are commonly eligible.
- Turnover minimums vary by lender; many consider businesses with steady invoice volumes.
Businesses with historic credit issues or CCJs may still be considered if their customers are large, creditworthy organisations — eligibility is decided case-by-case. Submit an enquiry for an eligibility snapshot: Free Eligibility Check.
Cost transparency and typical structures
Invoice finance costs usually include:
- Discount rate: percentage charged against invoice value (varies by debtor risk and facility type).
- Service fees: admin, management or collection fees where applicable.
- Setup or documentation fees: sometimes charged up-front by certain lenders.
Some providers offer bundled pricing, others itemise fees. Fast Business Loans simply introduces you to lenders and brokers — we don’t add hidden charges. Exact costs depend on the offers you receive; request multiple quotes to compare total cost and contract terms.
Sector expertise: industries we commonly support
We regularly match businesses in:
- Construction and subcontractors
- Manufacturing and engineering
- Logistics and haulage
- Recruitment and staffing
- Retailers and e-commerce (B2B sales)
- Professional services supplying invoices to corporates
- Hospitality and wholesale suppliers
Each sector has different debtor profiles and cashflow patterns; our partners specialise across these areas to provide practical funding solutions. Tell us about your sector — Get Started – Free Eligibility Check.
Why work with Fast Business Loans for invoice finance?
What sets us apart:
- Speed: quick matching increases chance of rapid funding.
- Choice: access to a broad panel of lenders and brokers, including specialist funders.
- Expertise: we match on sector fit and debtor quality, not a one-size-fits-all approach.
- No obligation: receiving introductions and quotes is free and you decide whether to proceed.
- Confidentiality: your enquiry is shared only with selected partners who can help.
Complete our short enquiry to receive tailored matches and fast responses: Get Quote Now.
Frequently Asked Questions
How quickly can I release funds against my invoices?
Many businesses receive an initial advance within 24–72 hours of funder approval and invoice submission; full timing depends on the lender’s processes and the speed of document verification.
Will using invoice finance affect relationships with my customers?
With factoring, the funder may liaise with customers to collect payment; with discounting, collections usually remain with you. Pick the structure that protects key customer relationships.
What’s the difference between full recourse and non-recourse?
Full recourse means you remain responsible if a customer doesn’t pay. Non-recourse shifts more risk to the funder but normally costs more and has stricter eligibility rules.
Can businesses with CCJs or poor credit apply?
Yes — if your customer base is creditworthy, some funders will consider applications despite historic issues. Each case is assessed individually.
Does submitting an enquiry impact my credit score?
No. Enquiries through Fast Business Loans do not affect your company’s credit score. Formal credit checks occur only if you progress with a lender’s offer.
Are long-term contracts required?
Some facilities are flexible and spot-based; others require minimum terms. Your matched partner will explain commitments before you sign.
Submit your details for a personalised invoice finance quote.
Ready to improve your cash flow?
If unpaid invoices are restricting growth, invoice finance can free working capital quickly. Fast Business Loans makes matching simple and fast — complete a short enquiry and we’ll connect you to lenders or brokers who can provide tailored quotes. There’s no cost and no obligation.
Footer compliance statement
Fast Business Loans is an introducer, not a lender. We do not provide financial advice. All finance is subject to lender terms and status. Consider independent advice if you are unsure whether invoice finance is right for your business.
– What is invoice finance and how does it work?
Invoice finance (invoice factoring or invoice discounting) lets UK businesses release 70–90% of approved B2B invoice value upfront, with the balance minus fees paid when the customer settles.
– How quickly can I access cash through invoice finance?
Once matched with a suitable lender and your invoices are verified, many businesses receive an initial advance within 24–72 hours.
– What’s the difference between invoice factoring and invoice discounting?
With invoice factoring the funder typically manages collections and contacts your customers, while invoice discounting keeps collections with you and is usually confidential.
– Will my customers know I’m using invoice finance?
If confidentiality matters, invoice discounting can keep funding private, whereas factoring may involve the lender contacting your customers to collect payment.
– How much can I unlock and what’s the minimum facility size?
Facilities commonly start from around £10,000, with initial advances often between 70–90% of each eligible invoice.
– What are the typical costs and fees for invoice finance?
Costs usually include a discount rate plus service and setup fees that vary by debtor quality, facility type, and contract terms—so compare total quotes.
– Will submitting an enquiry affect my credit score?
No—submitting a Free Eligibility Check with Fast Business Loans is a soft step that doesn’t affect your credit score, though lenders may run formal checks if you proceed.
– Can I qualify if my business has adverse credit or CCJs?
Yes—some providers consider firms with adverse credit or CCJs if the debtor book is strong and creditworthy, assessed case-by-case.
– Can I use invoice finance selectively or do I need a long-term contract?
Both options exist, from flexible spot funding to facilities with minimum terms or notice periods, depending on the lender.
– Is Fast Business Loans a lender and how do I start?
Fast Business Loans is an introducer (not a lender) that matches you to vetted UK lenders and brokers via a free, no-obligation eligibility check.