Who we help
Businesses that do the work first and get paid later
Invoice finance suits businesses that invoice other businesses on credit terms. If your customers take 30, 60 or 90 days to pay while wages, suppliers and stock need funding now, it is worth a conversation.
Situations where it
tends to help
- 01
Customers pay on long terms
You invoice on 30, 60 or 90-day terms, and larger customers often stretch beyond that. The work is done long before the cash arrives.
- 02
Sales are growing faster than cash flow
More orders mean more stock, staff and supplier bills to fund upfront. Growth becomes a cash-flow problem rather than a celebration.
- 03
Seasonal peaks and troughs
Busy periods need working capital before the revenue from them is collected. Quiet periods still have fixed costs.
- 04
A few very large invoices
When a small number of customers account for most of your turnover, one slow payment can affect the whole business.
- 05
Payroll and recruitment commitments
Temporary staff, contractors and new hires need paying weekly or monthly, regardless of when clients settle their invoices.
- 06
An existing facility no longer fits
Your current invoice finance arrangement may have been right once, but fees, service or structure may no longer suit the business.
Where the pressure
usually sits
The bills that fall due whether or not your customers have paid.
Payroll
Wages fall due on the same date every month, whether or not your customers have paid.
Suppliers
Paying suppliers late costs goodwill, and sometimes early-settlement discounts.
Stock & materials
You often have to buy before you can sell, and long before you are paid.
Hiring
Taking on staff to service new contracts means funding them before revenue lands.
Growth
Winning bigger customers usually means longer terms and larger invoices to carry.
Day-to-day headroom
Simply having enough working capital to run the business without constant juggling.
Sectors where invoice finance
is commonly used
Inclusion here does not imply every business in a sector qualifies; suitability depends on the individual business, its customers and the provider's criteria.
SectorRecruitment & Staffing
Funding wages before client invoices are settled
Agencies placing temporary or contract workers carry a structural cash-flow gap: candidates are paid weekly, clients pay monthly at best. Invoice finance is widely used in the sector, and some providers offer facilities that include payroll and back-office support.
SectorManufacturing
Working capital tied up between materials and payment
Manufacturers buy materials, run production and ship goods, then wait for payment. Larger customers may also dictate extended terms. Invoice finance can help bridge the gap between production spend and customer receipts.
SectorTransport & Logistics
Covering operating costs ahead of customer payment
Haulage and logistics operators face relentless operating costs against slower customer payment cycles. Invoice finance is a well-established source of working capital in the sector.
SectorWholesale & Distribution
Funding stock while awaiting trade customer payment
Wholesalers and distributors need to hold stock to serve customers, while those customers expect credit. Invoice finance can release cash from trade invoices to fund the next purchase.
Engineering & Fabrication
Long job cycles and concentrated customer books
Engineering firms often work on larger, longer jobs for a concentrated group of customers. Invoice finance can support cash flow where work is invoiced on completion and paid on extended terms.
Business & Professional Services
Monthly costs ahead of client payment runs
Service businesses deliver first and invoice afterwards, often to larger clients with formal payment runs. Invoice finance can smooth the gap between delivery and receipt.
Security & Facilities
Regular payroll against monthly contract billing
Manned guarding, cleaning and facilities firms carry significant payroll costs against monthly contract invoicing. Invoice finance is frequently used to keep wages funded reliably.
Printing & Packaging
Per-job production costs ahead of payment
Print and packaging businesses fund paper, board, ink and machine time per job, then wait for settlement. Invoice finance can help match cash flow to production volumes.
Construction-related Services
Complex payment terms, retentions and stage payments
Parts of the construction supply chain, particularly subcontractors invoicing for completed work and suppliers of materials or labour, can use invoice finance. Applications for payment, retentions and stage payments make some construction invoices harder to fund, so specialist providers and careful structuring matter here.