Invoice Finance for UK Businesses – Free Matching with Trusted Lenders

Summary: If your limited company needs working capital fast, invoice finance can unlock cash tied up in unpaid invoices. Fast Business Loans is a free introducer that matches you with specialist lenders and brokers who can offer factoring, invoice discounting or selective invoice solutions. Complete a short enquiry and receive tailored contact and quotes from partners — no obligation and no impact on your credit score. Typical funding we can assist with starts at around £10,000.

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What is invoice finance & who is it for?

Invoice finance is a form of working capital where a lender or factoring provider advances you an agreed percentage of your outstanding customer invoices. Instead of waiting 30–120 days for payment, you get access to cash to pay suppliers, staff or invest in growth.

Invoice finance is typically suited to UK limited companies (B2B) experiencing:

• Long customer payment terms (30–120 days)
• Rapid growth where cash conversion lags
• Seasonal peaks or one-off large contracts
• Supply chain pressure or need to fund materials and labour

Why use Fast Business Loans for invoice finance?

Fast Business Loans does not lend. We act as an introducer to match your business to specialist lenders and brokers across the UK. Our role is to save you time and increase your chances of a good outcome by connecting you to partners that understand your sector.

• Free, no-obligation introduction — you decide whether to proceed.
• Quick matching to multiple providers who specialise in invoice finance.
• We handle the initial matching so you only speak to lenders who can help.
• Typical deals we assist with start from about £10,000 upwards.

Get Quote Now — our short form takes under two minutes and will prompt tailored contact from suitable partners.

How our matching service works

1. Complete a short enquiry: business details, invoice profile and contact info.
2. We match you with lenders/brokers who specialise in your sector and need.
3. Partners contact you directly to discuss terms, documentation and timing.
4. You compare offers and choose the lender or broker that best fits your goals.

Submitting an enquiry does not impact your credit file. Matching usually begins within hours and you can expect a response from partners quickly during business hours.

Benefits of invoice finance for cash flow

Invoice finance delivers clear, practical advantages for businesses that sell on credit:

• Speed: Release a large proportion of invoice value quickly.
• Flexibility: Fund only the invoices you choose (selective finance available).
• Growth enablement: Use working capital to buy stock, take new orders or hire staff.
• Improved cash forecasting: Convert receivables into predictable cashflow.
• Non-dilutive: Unlike equity, invoice finance does not reduce ownership.

Types of invoice finance we can help you access

We match businesses to providers offering a range of invoice finance solutions. Learn more about each option and which could suit your situation.

Invoice factoring

With factoring, a provider takes on the administration and credit control for your invoices as well as advancing funds (often 70–90%). Factoring suits companies wanting a full-service option and help with debtor management.

Invoice discounting

Discounting keeps your debtor ledger private; you continue to manage collections while the lender advances funds against invoices. This is a good choice where client relationships are sensitive and confidentiality matters.

Selective or spot invoice finance

Fund individual invoices or batches as required — ideal if you only occasionally need a cash boost or want to test the market without a long-term commitment.

Sector-specific variants

Specialist solutions exist for exporters, construction contractors (contract finance), recruitment and logistics. If you have industry-specific needs, we match you to brokers who understand those requirements.

For in-depth guidance on invoice finance options and use cases, see our dedicated invoice finance pillar: Invoice Finance.

When invoice finance makes sense for your business

Invoice finance can be the right solution when:

1. Your invoices (receivables) represent a material amount of working capital tied up.
2. You have reliable B2B customers with verifiable invoices.
3. You need funds quickly to scale, meet supplier terms or bridge seasonal gaps.
4. You prefer non-dilutive funding and can accept lender fees for speed and flexibility.

Typical eligibility considerations include company trading history, invoice quality (B2B), and the profile of your customers. If you’re unsure, complete a Free Eligibility Check and our partners will advise.

Costs, fees & considerations

Costs vary by provider and product. Common elements are:

• Discount rate: A percentage charged on the invoice value for the lending period.
• Service or factoring fee: For administration, credit control or reporting services.
• Arrangement or set-up fees: One-off costs when you open a facility.
• Additional charges: Audits, minimum monthly fees or charges on unpaid invoices.

Because pricing depends on invoice volumes, customer credit risk and product type, comparing multiple quotes is essential. Our matching service puts you in touch with providers who can give personalised pricing for your circumstances.

How Fast Business Loans protects you

Your enquiry is free and no obligation. We share your details only with selected lenders and brokers who are likely to help. We aim to be clear, fair and not misleading — following the principles that govern transparent financial promotions.

We do not perform credit checks when you submit an enquiry. Any checks required will be discussed by the lender before proceeding.

Case snapshots: invoice finance in action

Invoice finance FAQs

Will invoice finance affect my customer relationships?

Not necessarily. With invoice discounting you retain control of collections so customers won’t usually know. With factoring, some customers will interact with the factor — providers should handle this professionally.

How quickly can funds be released?

Many providers can release funds within 24–48 hours of invoice approval, but timelines vary by lender and required checks.

What documentation is typically required?

Recent management accounts, details of your debtor ledger, copies of invoices and proof of identity for directors are commonly requested.

Does submitting an enquiry affect my credit score?

No. A Fast Business Loans enquiry is non-credit-search and won’t affect your company’s credit file. Lenders will advise if they intend to run checks.

What is the minimum funding amount?

Fast Business Loans typically handles introductions for facilities of roughly £10,000 and above — some partners can support larger programmes into the millions.

Next steps: get matched and receive quotes

If you’d like to explore invoice finance, the quickest way to proceed is to complete our short enquiry. It takes under two minutes and connects you to lenders and brokers who can provide tailored quotes and timelines.

Get Matched in Minutes — Free Eligibility Check

After you submit, expect contact from matched partners who will explain options, costs and the documentation required so you can compare and decide with confidence.

Important information & disclaimer

Fast Business Loans is an introducer; we do not lend and we do not provide regulated financial advice. All finance is subject to the lender’s terms, status and credit checks. Submitting an enquiry is free and does not guarantee approval. You should review any offer carefully and consider independent professional advice if unsure.

Need help now? Start your free enquiry and get tailored invoice finance quotes: Get Quote Now.

1) Is Fast Business Loans a lender?
No — Fast Business Loans is a free introducer that matches UK businesses with trusted invoice finance lenders and brokers.

2) What is invoice finance and how does it work?
Invoice finance lets you unlock cash tied up in unpaid B2B invoices by receiving an advance (often 70–90%) from a specialist provider, with the balance (minus fees) paid when your customer settles.

3) How quickly can I receive funds?
Many partners can release funds within 24–48 hours of invoice approval, with initial matching starting within hours of your enquiry.

4) Does submitting an enquiry affect my credit score?
No — our free eligibility check is non-credit-search and won’t affect your score; lenders may run checks only if you choose to proceed.

5) What’s the minimum funding amount you can help with?
We typically assist with invoice finance facilities from around £10,000 upwards, with some partners able to support much larger limits.

6) What’s the difference between invoice factoring and invoice discounting?
Factoring includes outsourced credit control and is usually disclosed to customers, while discounting is confidential and you retain collections.

7) Can I finance only selected invoices?
Yes — selective or spot invoice finance lets you fund individual invoices or batches as needed without a long-term commitment.

8) Who is invoice finance suitable for?
It suits UK limited companies selling B2B with reliable customers, longer payment terms (30–120 days), or fast growth and seasonal cash flow gaps.

9) How are costs and fees calculated?
Pricing varies by provider and typically includes a discount rate on the invoice value, service/factoring fees, and any set-up or audit charges.

10) Will invoice finance affect my customer relationships?
With invoice discounting customers usually won’t know you’re using finance, while with factoring providers may contact them but should do so professionally.