Unlock Cash Flow with Invoice Finance—Up to 90% of Invoice Value

Maintaining healthy cash flow is one of the biggest challenges faced by small and medium-sized enterprises (SMEs). This is especially true for businesses operating in industries where customers often have extended payment terms of 30, 60, or even 90 days. These delays can restrict growth and make it difficult to meet everyday operational costs.

Invoice finance can help to ease these pressures by unlocking the cash tied up in unpaid invoices. Instead of waiting weeks or months for customers to pay, businesses can access working capital almost immediately, improving financial stability and enabling growth.

Invoice finance is a flexible funding solution that allows businesses to receive up to 90% of the value of outstanding invoices as soon as they are raised. Once the customer pays the invoice, the remaining balance is released, minus a pre-agreed service fee.

This solution is suitable for a wide range of industries, including manufacturing, recruitment, transport, wholesale and professional services, where delayed payments can cause significant cash flow gaps.

There are two primary forms of invoice finance, both designed to meet different business needs:

1. Invoice Factoring

• The finance provider advances the cash and manages your credit control on your behalf.
• They chase and collect invoice payments directly from your customers.
• Suitable for businesses looking for more hands-on support with collections.

2. Invoice Discounting

• Your business retains full control of the collections process.
• The arrangement is usually confidential, so customers are not aware that a third-party finance provider is involved.
• This option suits businesses with an established credit control function.

• Improved cash flow: Access funds quickly without waiting for customers to pay.
• Greater financial flexibility: Cover operational expenses, invest in growth, or manage seasonal fluctuations.
• Support business stability: Reduce the stress caused by unpredictable cash flow.
• Available to a variety of sectors: Including wholesale, manufacturing, recruitment, logistics and more.

Invoice finance can be particularly beneficial for businesses that:

• Offer goods or services to other businesses (B2B).
• Experience cash flow gaps due to long payment terms.
• Want to avoid taking on traditional loans or overdrafts.
• Need a flexible funding option that grows in line with sales.

If you are unsure which option is best for your business, a broker like Percy Finance can discuss your requirements and introduce you to the most suitable lender from our carefully selected panel.

Complete our quick online form or call us to discuss your cash flow requirements. We’ll capture key details about your business and unpaid invoices.

As an FCA-authorised broker, we match your business with suitable UK-based invoice finance companies offering factoring or discounting solutions.

You may be eligible for competitive funding options – potentially up to 90% of the invoice value – designed to fit your sector, customers, and cash flow needs.

Once approved, your business can access funds within days, freeing up cash tied up in unpaid invoices so you can focus on growth.