Secure Business Finance

September 8th, 2025

What Is Invoice Finance and How Can It Help Your Business?

Cash flow is the lifeblood of any business, but waiting 30, 60, or even 90 days for customers to pay invoices can create major challenges. Invoice finance offers a flexible solution, helping companies unlock working capital tied up in unpaid invoices.

What Is Invoice Finance?
Invoice finance allows businesses to release cash from unpaid invoices before customers settle them. Instead of waiting for payment terms, a lender advances a percentage of the invoice value (usually 80–90%). Once the customer pays, you receive the balance minus a small fee.

How Does Invoice Finance Work?
1. You raise an invoice for your customer as normal.
2. The finance provider advances up to 90% of the invoice value within 24 hours.
3. Your customer pays the invoice on agreed terms.
4. You receive the remaining balance, less fees.

Benefits for Businesses
- Improved cash flow: Immediate access to funds.
- Growth support: Invest in new projects without waiting for payments.
- Credit protection: Some facilities include debtor protection.
- Flexibility: Funding grows in line with your sales.

Invoice finance is particularly useful for growing businesses, manufacturers, recruitment agencies, and firms with long customer payment terms.

Is Invoice Finance Right for You?
If your business issues invoices with long payment terms and you need faster access to cash, invoice finance can be a cost-effective solution. It’s not borrowing in the traditional sense — it’s unlocking money that is already yours.

Next Step: Secure Business Finance works with over 100 lenders across the UK to find the best invoice finance facility for your business. Contact us today for a no-obligation chat.

Our experienced Business Finance Specialists can find the right lender for your needs — quickly and simply, with no obligation. Call now 01483 363011 or


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