Updated 1 Sept 2026Explainer
What is invoice finance? A plain-English explanation
How invoice finance works, the main variants, and the questions to ask before deciding whether it suits your business.
Learn moreIndependent UK finance brokerage
Invoice
Finance
Brokerage
Haslam Consult helps UK businesses understand, compare and arrange invoice finance, factoring and invoice discounting, so the money you have already earned is available when the business needs it.
Who are Haslam
Consult?
Haslam Consult is a UK commercial finance brokerage focused on invoice finance, factoring and invoice discounting. We help businesses understand their options, compare them properly and arrange facilities that suit the way they actually operate.
We do not lend money. We help businesses understand which invoice finance structures are appropriate, identify providers whose appetite matches their profile, compare the options on a like-for-like basis and support the application through to completion.
Providers set their own criteria, pricing and terms. Our value is in knowing how they differ, presenting your business properly, and making sure you understand what you are agreeing to before you sign.
What a broker does for you
We start with the business, not the product
Understanding how you invoice, who you sell to and where the pressure sits comes before any discussion of facilities.
Learn moreWe explain the structures
Factoring, discounting, selective, recourse, non-recourse, confidential, disclosed. We translate the terminology into what it means for you.
Learn moreWe compare relevant options
Provider appetite, sector experience and pricing all vary. We help you see the options side by side rather than one at a time.
Learn moreWe explain costs and terms clearly
Service fees, discount charges, minimums, notice periods and guarantees. You should know what you are signing before you sign it.
Learn moreWe support the application
Providers need information presented properly. We help you prepare and stay involved until the facility is live.
Learn moreWe review existing facilities
If you already have invoice finance, we can help assess whether it still represents a good fit and what alternatives may exist.
Learn more
Invoice Finance Solutions
At a Glance
Invoice finance is an umbrella term for several facility types. The right one depends on how you invoice, who you sell to and how much control you want to keep. We explain each in plain terms.
Invoice Finance
A way for businesses that sell on credit terms to access a proportion of the value of unpaid invoices before customers pay.
- Funding grows in line with your sales ledger
- Available as factoring, discounting or selective facilities
- Often used where customers pay on 30 to 90+ day terms
Invoice Factoring
Release cash against unpaid invoices while the provider manages credit control and collects payment from your customers.
- Provider typically handles collections and credit control
- Usually disclosed to your customers
- Can suit businesses without a dedicated finance team
Invoice Discounting
Draw funds against your sales ledger while continuing to run your own credit control, often without customers being aware.
- You retain credit control and customer contact
- Can be confidential, subject to provider criteria
- Often suits established firms with sound processes
Selective Invoice Finance
Finance individual invoices or specific customers as the need arises, rather than committing your whole sales ledger.
- Choose which invoices to fund
- Typically no long-term whole-ledger commitment
- Useful for occasional or project-based cash-flow gaps
Sectors where invoice finance
is commonly used
Invoice finance suits businesses that invoice other businesses on credit terms. Inclusion here does not imply every business in a sector qualifies; suitability depends on the individual business, its customers and the provider's criteria.
Facility Types We Compare
The Questions Businesses
Ask First
Question 1 of 8
What is invoice finance?
Invoice finance is a way for businesses that sell on credit terms to access a proportion of the value of their unpaid invoices before the customer pays. The provider advances an agreed percentage, then releases the balance, less fees, once the invoice is settled. It comes in several forms, most commonly factoring and invoice discounting.
Insights & Guides From
Haslam Consult
Updated 1 Sept 2026Comparison
Factoring or invoice discounting: how to choose
The two main forms of invoice finance look similar on paper but suit different businesses. Here is how to tell which fits yours.
Learn more
Updated 1 Sept 2026Guide
What does invoice finance cost? Understanding the charges
Service fees, discount charges, minimums and extras: what they are, why they vary, and how to compare quotes properly.
Learn more