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.
Acme Construction Ltd
INV-2026-0847 · Due 15 May
£48,500
FundedReleased today
Meridian Logistics
INV-2026-0848 · Due 22 May
£31,200
FundedNorthWest Retail Group
INV-2026-0849 · Due 30 May
£22,750
PendingTotal 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.
You raise an invoice
Issue your invoice to your customer as normal. No change to your process.
Submit it to your facility
Upload it to your lender's platform. Usually takes under 60 seconds.
Receive up to 90% immediately
Funds are released into your account, typically within hours of submission.
Customer pays, you get the rest
When your customer settles the invoice, you receive the remaining balance minus fees.
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.
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
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
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.
Whole-of-market access
We're not tied to any lender. We compare 90+ invoice finance providers to find the most competitive facility for your situation.
Direct lender relationships
Our established relationships with lenders allow us to negotiate better rates and navigate complex cases more efficiently.
Structured comparisons
We typically present multiple tailored offers side by side, so you can evaluate your options clearly and make an informed decision.
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.
What our clients say
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your funding?
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0330 0438 011Mon-Fri, 8:30am-6pm · Always free to call