Invoice Finance

Discover how Invoice Financing can help you release cash from your outstanding invoices and company assets today.

Enquire Now
​Fast Turnaround
Everything Covered
Industry Experience
Tailored Solutions
We Are Independent
International Reach

What is Invoice Finance?

Invoice Finance is a form of business funding which gives a line of credit that can be drawn down from, similar to an overdraft. Invoice Finance can be used by any business that issues invoices to other businesses on credit terms. The funder can then release the value of these invoices immediately following their issue rather than waiting for the customer to pay (typically 60 or 90 days later). The business can use this cash to continue growing rather than waiting for these invoices to be paid before reinvesting that cash.

Invoice Finance is typically used for day-to-day working capital; paying suppliers, staff, covering overheads etc. It can work alongside other funding methods such as loans, asset finance, or cashflow lending as the main security (the company’s receivables) is separate and easy to monitor.

Enquire Now

How Can We Help You?

Our frequently asked questions. Do you still not have the answer you need? Get in touch.

How much does Invoice Finance cost?

Typically Invoice Finance costs are in two parts, a service fee which covers the lenders’ administration and servicing costs; and a discount charge or interest charge that covers the cost of the actual borrowing. These can vary largely but we can give a realistic steer with a basic understanding of the nature of the debt, trading history, and financial performance.

Is my business eligible for Invoice Finance?

Generally speaking, if your business trades with other companies (B2B rather than B2C) and issues credit terms for its customers, Invoice Finance is possible. There are certain nuances to bear in mind, like ensuring there is a clear point at which all parties can see that work has been completed, and therefore the invoice is valid. There are fewer prerequisites around trading history so invoice finance can work for start-ups and newer companies too.

Which lenders provide Invoice Finance?

A whole range of lenders provide Invoice Finance, from the banks right through to smaller boutique providers with independent and family-run finance providers in between. Setting our sights on the right funder for your business means understanding your goals and objectives, and preferences around service levels and relationship type vs. costs and flexibility. We work with good lenders from across the spectrum so will be able to introduce a party to suit your situation.

What is the minimum or maximum facility size?

Invoice Finance can be provided even on a single invoice basis (typically £5k as a minimum invoice value), or as a full facility up to multiple millions. Lenders will generally agree a funding limit with you to fit your needs, enabling you to draw down as little or as much as you need, up to that limit.

How long does it take to set up?

We can move very quickly if needed, there is a need to understand the invoicing process, your customers and your own business performance so it typically takes a couple of days as a minimum, although individual invoices can be funded faster if needed. On average a facility typically takes a few weeks to set up if no urgency, so worth planning ahead.

Liquidity Club have been great because they have managed the funding process from start to finish. Liquidity Club is very attentive and professional and their involvement has freed up my time to enable me to focus on the running of…

Mike Burrows
Burcas Ltd

Read More
Liquidity Club found the right funder to assist us with the cashflow in our business at a really important time, enabling us to continue growing. The speed and professional approach by Liquidity Club gave us the confidence to focus on…

Operations Director

Read More
Liquidity Club was recommended to us. We invited them over to help us find the best finance options available for the future needs of our business. They very quickly found us a solution and was able to implement in a…

Ian Summerfield
Freight Management European Ltd

Read More
Liquidity Club were so supportive and knowledgeable, they kept in contact throughout the process making sure we were informed and updated at every stage. They were committed to getting the best outcome for us and focused on reaching our goals.…

Debbie Polden
Director of The Skinsmith, UK distributor for Eminence Organic Skincare

Read More
Liquidity Club really take the time to review all facets of a proposal with the client to ensure the right funding solution is delivered at the most competitive rate the market has to offer.

Keir Cox
Operations Director Purbeck Insurance

Read More
The service provided by Will was second to none and a complete hassle-free service. We were over the moon and full access to funds within a few hours of acceptance! 10/10.

Business Owner

Read More
I met Adam through a mutual contact. I was sceptical when he said he could deliver a funding for my business that my then provider couldn't. Less than 6 weeks later I had a new provider and a £4m facility…

Joe Amirthalingam
MD at Jolanka (UK) Ltd

Read More
Pauls understanding of our business helped us quickly narrow down the most suitable type of finance and provider for our requirement. His professional and experienced approach and constant communication meant we could focus on our business, while the facility was…

Neil Clifton
MD at Cube Precision Engineering

Read More
Cameron thank you for all hard work in getting me the finance. Compared to other companies you were very different in your professional personal approach, I was very impressed. I will be definitely be contacting you in the new year…

Building Services

Read More