Invoice finance
SME Finance Solutions
We support businesses across a wide range of SME finance sectors, from asset and vehicle finance to business loans, trade finance, government-backed lending, and invoice finance. Each funding solution is designed to meet a different commercial need, whether that is improving cash flow, funding growth, acquiring equipment, or supporting longer-term investment.
Invoice finance
What is it
Invoice finance allows businesses to unlock cash tied up in unpaid invoices. Instead of waiting for customers to pay on standard credit terms, a business can access a percentage of the invoice value earlier to support ongoing cash flow.
Who uses it?
It is widely used by SMEs that trade on invoice terms, particularly in sectors such as recruitment, transport, logistics, manufacturing, wholesale, and business services.
What it is used for?
Invoice finance is commonly used to:
- improve working capital
- smooth cash flow
- cover payroll and supplier costs
- support growth without waiting for customer payment
- manage seasonal pressure
- reduce the impact of long payment terms
It can be especially useful for businesses that are profitable on paper but experience pressure because cash is tied up in the sales ledger.
SME finance Solutions – At a glance
- Asset & vehicle finance – Funding for equipment, machinery, cars, vans, and specialist vehicles, allowing businesses to spread the cost over time.
- Secured & unsecured business loans – Flexible business funding for working capital, growth, investment, and cash flow support, with or without security.
- Trade & supply chain finance – Finance that helps businesses pay suppliers, fund stock, and manage the gap between outgoing payments and incoming customer receipts.
- Government-backed loans – Lending supported by government schemes to help eligible businesses access finance for growth, investment, or stability.
- Buy to let mortgages – Mortgages for residential investment properties intended to generate rental income rather than owner occupation.
- Invoice finance – A way to release cash from unpaid invoices so businesses can improve working capital and maintain day-to-day liquidity.
SME Finance
We support businesses across a wide range of SME finance sectors. Each type of lending is designed for a different purpose, and choosing the right structure can make a significant difference to speed, flexibility, and long-term cost.
