Business Finance Guides
Plain-English guides to UK business loans, asset finance, invoice financing, and business credit cards. Compare lenders, check what you'll qualify for, and walk into a funding decision already knowing the answers.
Business Loans
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Invoice Financing
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Invoice Finance for Startups and New Businesses: Can You Access Funding Without Trading History?
Yes — UK startups and new businesses can access invoice finance, even without filed accounts or a long trading history. Providers assess the creditworthiness of your customers, not your own track record.
Invoice Financing for Businesses with Poor Credit History: Options Beyond Traditional Lenders
Invoice financing for businesses with poor credit history offers a genuine route to working capital when banks say no. Because specialist lenders assess your customers' ability to pay — not your own credit file — past defaults, CCJs, or a thin credit history are far less likely to block your application.
How Invoice Financing Works When Your Customers Are Slow to Pay
Invoice financing lets UK businesses unlock cash tied up in unpaid invoices without waiting 30, 60, or 90 days for customers to settle. A specialist provider advances 70–95% of the invoice value — usually within 24–48 hours — and releases the remaining balance (minus fees) once your customer eventually pays.
Invoice Financing for Contractors and Freelancers: Self-Employed Solutions
Invoice financing for contractors and freelancers is a funding solution that lets self-employed professionals access a percentage of their outstanding invoice value — typically 80–90% — before their client pays. Rather than waiting 30, 60, or 90 days for payment, contractors can unlock cash tied up in unpaid invoices within 24–48 hours.
Invoice Finance Eligibility in the UK: Criteria, Costs and Risks
Invoice finance releases working capital against eligible unpaid business-to-business invoices. A provider advances an agreed proportion, then releases the balance after the customer pays, less charges.
Invoice Finance Brokers UK: What They Do and When to Use One
An invoice finance broker is an intermediary who matches your business with factoring or invoice discounting providers, negotiates advance rates and fees on your behalf, and manages the application. Most UK brokers are paid commission by the provider rather than charging you directly, typically a share of the facility's first-year fees.
Invoice Finance for UK SMEs: Using Your Sales Ledger as a Dynamic Funding Pool
Invoice finance for UK SMEs turns unpaid invoices into immediate working capital by advancing up to 90% of an invoice's face value within 24–48 hours of raising it. Rather than waiting 30, 60, or 90 days for customers to pay, businesses access funds tied up in their sales ledger as a revolving, scalable facility.
How Invoice Finance Really Works in the UK: Step‑by‑Step Process from Invoice Upload to Settlement
Invoice finance lets UK businesses unlock cash tied up in unpaid invoices by selling or borrowing against those invoices through a specialist provider. After submitting an invoice, most businesses receive an advance of 70–90% of its face value within 24–48 hours.
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