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Invoice finance

Keep your business moving with fast access to cash

Invoice finance allows you to unlock the cash tied up in unpaid invoices. Instead of waiting 30-90 days for customers to pay, access up to 90% of the invoice value immediately.

Your invoices, funded instantly

Acme Construction Ltd

INV-2026-0847 · Due 15 May

£48,500

Funded

Released today

Meridian Logistics

INV-2026-0848 · Due 22 May

£31,200

Funded

NorthWest Retail Group

INV-2026-0849 · Due 30 May

£22,750

Pending

Total released today

£71,730

90% advance

Funds in 4hrs

Up to 90% advance rate of invoice value, immediately
90%
Time to funds once live Per invoice, once your facility is live
4hrs
Lender panel Including specialist invoice financiers
90+
Max facility size Grows with your turnover
£50m+

How it works

From invoice to
cash in hours

Invoice finance is simple. You raise an invoice, release up to 90% of the value immediately. Your customer pays in their own time, you never wait.

01

You raise an invoice

Issue your invoice to your customer as normal. No change to your process.

02

Submit it to your facility

Upload it to your lender's platform. Usually takes under 60 seconds.

03

Receive up to 90% immediately

Funds are released into your account, typically within hours of submission.

04

Customer pays, you get the rest

When your customer settles the invoice, you receive the remaining balance minus fees.

Invoice lifecycle

DAY 0

Invoice raised, £50,000

Submitted to facility

Same day

£45,000 released to you

90% advance in your account

Day 30-90

Customer pays lender

Their normal payment terms

Settlement

Remaining balance paid to you

Minus agreed facility fee

You received on day 0

£45,000

Invoice lifecycle

60 days

Our products

Two flexible approaches

Whether you want to fund your full sales ledger or individual invoices, we'll find the right structure for your business.

Most popular

Full Invoice Finance

A flexible, easy-to-use funding line that grows with you. It's the smart way to turn outstanding invoices into working capital.

  • Fund your entire sales ledger automatically
  • Facility grows as your business grows
  • Confidential or disclosed options
  • Ongoing access to working capital
Get a facility quote
Selective / spot

Selective Invoice Finance

Release cash from individual invoices as soon as they are raised, giving you immediate access to working capital without committing your entire sales ledger.

  • Choose which individual invoices to fund
  • No long-term commitment required
  • Only pay when you use it, completely flexible
  • Fast set-up, invoice by invoice
Find out more

Why choose SBF

Independent advice.
Better outcomes.

We compare invoice finance lenders across the whole market, so you get the most competitive facility, not just the first one we find.

Who can apply

Eligibility

Invoice finance is available to a wide range of UK businesses. Here's what lenders typically look for:

B2B businesses

You invoice other businesses or organisations (not consumers).

Turnover £100k+

Most lenders require at least £100k annual turnover.

You invoice on payment terms

You raise invoices with 30-90 day terms rather than taking payment up front.

UK registered business

Limited company, LLP, sole trader, or partnership.

All sectors considered

Recruitment, construction, manufacturing, logistics, wholesale and more.

Unlock your cash flow

Tell us about your business and we'll come back with tailored invoice finance options, usually within one working day.

Free Independent No credit check

What our clients say

Trusted by UK businesses

Excellent 5.0 rating on Google

Get started

Ready to secure
your funding?

Speak to an expert today. No credit check, no obligation, just straight, independent advice on your funding options.

0330 0438 011

Mon-Fri, 8:30am-6pm · Always free to call