Can you arrange invoice finance for 30–90 day debtor cycles common in haulage and distribution?

Short answer: yes — and we’ll match you to providers built around logistics payment terms

Best Business Loans can connect established UK transport, haulage and distribution companies with invoice finance providers who fund 30-, 45-, 60- and 90-day debtor cycles. We don’t supply finance ourselves; we help you find lenders and brokers that understand the sector, your proof-of-delivery processes, and the realities of extended B2B payment terms.

How invoice finance fits 30–90 day haulage debtor cycles

Invoice finance releases a large share of an invoice’s value straight after delivery is confirmed, instead of waiting the full 30–90 days for your customer to pay. For logistics, that means funding fuel, wages, tyres and maintenance while debtors settle in their normal timeframe.

Two core routes are common in transport: factoring and invoice discounting. Factoring includes collections support and can suit businesses that prefer the provider to manage credit control, while invoice discounting keeps collections in-house and suits firms with robust finance processes.

Specialist funders in haulage are used to pallet networks, groupage, self-billing customers, demurrage surcharges and seasonal peaks. They build facilities around ePODs, agreed rate cards and RHA-standard terms, helping cash move quickly and cleanly from job completion to advance.

Providers typically fund after delivery evidence is verified, not when the invoice date occurs. Electronic proof of delivery, clean PODs and customer acceptance processes are key to swift confirmations and faster initial advances.

If a single large customer dominates your ledger, the right funder will set tailored concentration limits or request trade credit insurance. This keeps risk in check while still unlocking cash tied up in your biggest payers.

Eligibility, documents, and the decision process for logistics firms

Providers prioritise established UK limited companies and LLPs that invoice other businesses on credit terms for completed transport or warehousing services. Clean, verifiable invoices and a track record of deliveries are essential for fast approvals and smooth ongoing funding.

Typical information requested includes an aged debtor report, a sample of recent invoices and PODs, customer contracts or rate confirmations, and any self-billing agreements. Funders often ask for bank statements, management accounts and VAT status to validate trading stability and cash flow.

If you use pallet networks or freight exchanges, be ready to show rate sheets and evidence of signed consignments. Clear processes for handling queries and disputes help reduce dilutions and keep your availability high.

Indicative terms can often be issued in 24–72 hours once key information is shared. Full onboarding can complete in a few business days to two weeks, depending on the complexity of your ledger, your debtor mix and any necessary notice periods with an incumbent funder.

Our role is to match your business profile and debtor characteristics to funders who already support transport and distribution. That saves you time approaching generalist lenders who may not accommodate POD-driven verifications, self-billing practices or 60–90 day cycles.

Costs, advance rates and terms you can expect in haulage invoice finance

Advance rates for UK transport companies typically range from 80% to 95% of eligible invoice value, with the balance paid on debtor collection minus fees. Eligibility depends on factors like debtor quality, concentration and dispute history, as well as your internal controls.

Costs are normally split between a service fee and a discount rate. The service fee reflects administration and ledger management, while the discount rate is applied to funds advanced until your customer pays, often linked to a base rate plus a margin.

Minimum annual fees, notice periods, trust accounts and audit schedules may apply. Recourse facilities are common, but non-recourse or insured options are available where debtor credit insurance is in place and policy terms are met.

Expect funders to apply concentration limits, sector-specific eligibility rules, and periodic reconciliations of your ledger. Clear processes for disputed jobs, re-delivery charges and surcharges help you maintain high utilisation of your facility.

The right provider will be transparent about pricing and any extras such as CHAPS costs, credit-limit requests or credit-insurance premiums. We encourage like-for-like comparisons on total cost to serve, not just headline rates.

Sector-specific features that make funding smoother for transport businesses

Haulage-savvy funders integrate with ePOD workflows so you can upload PODs and trigger availability quickly. Where customers operate self-billing, they build funding around the accepted self-bill rather than only your invoice date.

Some providers support fuel-card linked facilities or same-day drawdowns, helping you stay ahead of volatile diesel costs. Others offer quick-access portals so your finance team can see availability, fees and collections in real time.

CHOCS-style arrangements leave collections with you while still providing advances, blending the ease of discounting with selective ledger support. Spot factoring can be suitable for ad hoc jobs or when you want to fund selected invoices only.

Transport ledgers often include complex items like waiting time, demurrage, return loads and multi-drop routes. Funders with logistics experience understand how to validate these efficiently so they remain eligible when properly documented.

If you want broader working-capital options alongside invoice finance, see our page on logistics business loans and funding pathways. It explains how we match transport firms to commercial finance solutions beyond invoice-backed facilities.

How to get started — and what happens next

Getting matched is simple and free. Tell us who you invoice, your typical debtor days, and how you confirm deliveries, and our technology will introduce you to funders and brokers active in UK transport and distribution.

Step 1: Complete a Quick Quote with your basic details and average monthly invoicing. Step 2: Share a snapshot of your aged debtors and a few recent invoices and PODs to speed up an eligibility view.

Step 3: Receive introductions to suitable providers who are comfortable with your 30–90 day cycles. Step 4: Compare terms, onboarding timescales and the operational fit with your POD and self-billing processes.

Step 5: You choose whether to proceed. There’s no obligation, and you remain in control throughout the process, dealing directly with the prospective provider on final terms and risk assessments.

Ready to explore options that fit haulage and distribution cash flow patterns? Start your enquiry now and request a Quick Quote for invoice finance tailored to logistics payment terms.

Important information, fairness and compliance

Best Business Loans is an independent introducer and does not provide loans or credit facilities. Information on this page is for general guidance only and is not financial advice; eligibility and pricing are set solely by the provider you choose.

Any offers are subject to status, underwriting, and the provider’s terms and conditions. We aim for communications that are clear, fair and not misleading, and we encourage you to review all fees, risks, and obligations before committing.

Our service is designed for UK businesses, typically limited companies and LLPs trading B2B. We may receive an introducer commission from the provider if you proceed.

Key takeaways

• Yes — we can match haulage and distribution firms to invoice finance providers that support 30–90 day debtor cycles.
• Advance rates often sit between 80% and 95%, with funding released on verified delivery and invoice acceptance.
• Specialist features include ePOD integrations, self-billing compatibility, CHOCS options and support for pallet networks.
• Approval speed improves with clean PODs, clear dispute handling and strong debtor quality.
• Start with a Quick Quote to see whether invoice finance is suitable for your transport ledger and cash flow.

About Best Business Loans

We help UK companies navigate commercial finance by matching them with relevant lenders and brokers. We don’t guarantee the cheapest rate, but we aim to connect you with reliable providers that understand your sector and needs.

Updated: October 2025