Invoice Finance for UK Businesses

Unlock Cash Tied Up in Invoices — Fast, Fair and No Obligation

Invoice Finance at BestBusinessLoans.ai helps established UK companies unlock working capital from unpaid B2B invoices without taking on new term debt. Using our AI-driven matching and a trusted network of UK lenders and brokers, we introduce you to suitable providers for factoring, invoice discounting or selective invoice funding, so you can stabilise cash flow, pay suppliers on time, and seize growth opportunities across busy periods, seasonal peaks or when customers pay on extended terms. We are an independent introducer, not a lender, and it’s free to submit an enquiry for a Quick Quote, eligibility guidance, or a Decision in Principle, with no obligation to accept any offer you may receive and without any upfront fees from us.

How It Works — From Enquiry to Decision in Principle

Complete a short online form in minutes, telling us about your business, invoice book and funding needs, then our system analyses your details against live lender criteria using intelligent data-matching. We’ll connect you with providers likely to consider your case, helping you avoid multiple cold applications, and where possible you may receive an initial eligibility view or Decision in Principle without impacting your credit file through unnecessary hard searches. Timeframes vary by provider, but many users receive early guidance quickly once basic documents are shared, enabling faster decisions and a clearer route to funding.

Types of Invoice Finance We Can Help You Explore

Depending on your profile, you could explore whole-turnover factoring with outsourced credit control, confidential invoice discounting that keeps collections in-house, or selective/single-invoice funding for ad hoc needs or specific contracts. Typical requirements include trading as a UK limited company or LLP, issuing B2B invoices on credit terms, and customers with satisfactory credit, and we do not currently support start-ups, sole traders, franchises, property finance or commercial mortgages through this service. Availability, limits and advance rates are set by each provider and depend on sector, debtor quality, concentration, dispute levels and ledger performance, and lenders may request visibility of aged debtor reports and contracts.

Transparent Costs and Responsible Messaging

Costs for invoice finance are provider-specific and may include a service fee and a discount rate based on funds used, with any minimums, audit or arrangement charges clearly disclosed in writing before you proceed. We aim to be fair, clear and not misleading: we do not guarantee acceptance, funding speed or the lowest rate, and any quote or illustration is subject to status, affordability assessments and formal underwriting by the chosen provider. Your enquiry is free and without obligation, we handle your data securely and only share it with relevant partners, and we may receive a commission from them if you proceed, which does not alter the terms you are offered.

Ready to Check Eligibility? Get Your Free Quick Quote

Ready to check your options with confidence and transparency? Start your free Quick Quote to be matched with relevant invoice finance providers, compare indicative terms and decide what fits your cash flow, with no pressure to proceed and no fee for submitting your details. Be prepared to share basic financials, recent aged debtor lists and sample invoices, as lenders may run credit checks and request supporting documents to verify eligibility, and please note that nothing on this page constitutes financial advice.