Liquid Corporate Finance
0333 772 1782
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Invoice Finance
For UK Businesses

Turn unpaid invoices into immediate working capital and stop waiting 30, 60, or 90 days to get paid. Invoice finance releases up to 90% of your invoice value within 24 hours, keeping cash flowing while you focus on growth. Flexible, confidential options available. Take control of your cash cycle today.
  • Unlock cash from 
    unpaid invoices
  • Flexible funding that 
    grows with you
  • Fast decisions in
    hours, not weeks
  • Improve business
    cash flow instantly
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What is Invoice Finance?

Invoice finance allows businesses to release cash tied up in unpaid invoices by borrowing against the value of outstanding customer payments. Once an invoice is raised, a lender can advance a large percentage of the invoice value, typically within 24 hours, helping to improve immediate cash flow. The business then receives the remaining balance, minus fees, once the customer pays the invoice in full. This form of invoice finance helps companies maintain healthy working capital without waiting on lengthy payment terms. By using invoice finance, businesses can stabilise cash flow, support growth, and take on new opportunities with confidence.

Invoice Submission

The business submits its unpaid invoices to the finance provider.

Advance Payment

The provider advances a percentage of the invoice value, typically 80-90%.

Final Settlement

Once the customer pays the invoice, the provider releases the remaining amount minus a small fee.
This simple and efficient process helps businesses bridge cash flow gaps and manage operational expenses.
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Which Type Of Invoice Finance Is Right For You?

Factoring

Factoring is a funding solution where a finance provider purchases your invoices and manages your sales ledger and credit control.

Key Features:

  • Immediate access to cash from unpaid invoices
  • Finance provider manages collections and credit control
  • Customers are usually aware of the arrangement
  • Helps reduce administrative burden
  • Suitable for businesses needing cash flow support and outsourcing credit control

For businesses looking to improve cash flow and streamline collections, factoring offers a simple and effective solution. Get in touch with Liquid Corporate Finance to explore factoring options.

Invoice Discounting

Invoice discounting allows businesses to borrow against unpaid invoices while retaining control of their sales ledger and customer relationships.

Key Features:

  • Access funds tied up in outstanding invoices
  • Confidential facility – customers are not aware
  • Business retains control of credit control and collections
  • Typically suited to established businesses
  • Improves cash flow while maintaining customer relationships

For businesses seeking flexible working capital solutions while maintaining control, invoice discounting is an ideal option. Contact Liquid Corporate Finance to discuss invoice discounting facilities.

Spot Invoice Finance

Spot invoice financing provides immediate cash advances against individual unpaid invoices, giving businesses fast, flexible access to working capital.

Key Features:

  • Access funds quickly against selected or single invoices
  • No long-term commitment or ongoing facility required
  • Maintain full control of sales ledger and customer relationships
  • Flexible funding based on immediate cash flow needs
  • Ideal for covering short-term gaps or one-off funding requirements

For businesses needing fast access to cash, spot invoice financing offers a simple and effective solution. Contact Liquid Corporate Finance to discuss spot invoice financing options.

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How To Apply

1

Get in
Touch

Tell us about your business and funding goals

2

Discuss Your Requirements

We'll recommend the right solution

3

Receive Your
Tailored Offer

Simple, transparent funding terms

4

Facility Activated & Funds Released

Access your facility & working capital quickly
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TESTIMONIALS

What Our Clients Say

Is My Business Eligible?

Invoice finance is an ideal solution for businesses across various industries that experience cash flow challenges. Here are examples of businesses that commonly use invoice finance:

Small and Medium Enterprises

Quick access to funds tied up in unpaid invoices.

Startups

Maintain healthy cash flow while waiting for client payments.

Service-Based Businesses

Consulting firms, marketing agencies, and IT service providers.

Manufacturers

Bridge production costs and long payment terms.

Wholesalers and Distributors

Cover inventory and operational expenses.

Construction Companies

Manage cash flow during extended project timelines.

Staffing Agencies

Meet payroll and other costs while awaiting client payments.

Transportation and Logistics

Cover high upfront costs for operations.

Tech & Software Companies

Manage cash flow during long payment cycles.
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How Invoice Finance Can Benefit Your Business

  • Access to Immediate Fund
    Secure funding against your sales ledger without delays.
  • Reduce Risk
    Minimize bad debts and late payments with improved cash flow.
  • Flexible Funding Options
    Facilities available from £5,000 up to £5 million.
  • Customizable Solutions
    Choose between invoice discounting and factoring.
  • Rolling Contracts
    Flexible agreements tailored to your business needs.
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Growth Guarantee Scheme
CASE STUDY

Real Results for Real Businesses

Invoice Finance Plus RLS Loan

Finance Advance: £875,000
An established electronics manufacturing business, supplying their products to distributors in both the UK and all around Europe.
See Case Study

Invoice Finance FAQs

Invoice finance allows businesses to unlock cash tied up in unpaid invoices.

Businesses can typically receive up to 85–100% of the invoice value upfront.

Companies that invoice other businesses and offer payment terms such as 30, 60, or 90 days benefit the most.

Factoring involves the lender managing collections, while discounting allows the business to retain control.

Invoice discounting facilities can often remain confidential from customers.

Once a facility is set up, funds can often be released within 24 hours of submitting invoices.

Yes, invoice finance is widely used by SMEs to improve cash flow.

In some cases they do, particularly with factoring agreements.

Costs depend on invoice volume, risk, and the lender but are often competitive compared to other funding options.

Yes, it allows businesses to access working capital as sales increase.
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Business Finance Solutions Available

Asset Finance

Acquire essential equipment with flexible repayment options

Business Loans

Fast access to capital growth and cash flow

Refinance

Release equity from existing assets

Merchant Cash Advance

Flexible repayments based on card sales

Growth Guarantee Scheme

Government backed support for eligible businesses

Invoice Finance

Unlock cash tied up in unpaid invoices
Check Your Eligibility
This enquiry will not affect your credit score

Complete Your Enquiry

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For illustration purposes only. Our experts will calculate the rate you may be offered based on your individual circumstances. This is not an offer or quote for your finance.