Guavas Finance UK - Leading Finance Services in UK for Small Business.
  • Invoice Finance Broker of the Year 2025

Turn unpaid invoices into cash. Today.

Release cash from your unpaid invoices within 24-48 hours. We compare 50+ UK lenders to find the best invoice finance deal for your business. Free, fast, and with no credit impact.
  • Receive up to 95% of your invoice value
  • Funding in as little as 24-48 hours
  • No impact on your credit score
  • Award-winning invoice finance specialists
  • 50+ lenders compared
  • No credit impact
  • Free & no obligation

As featured in

Client stories

Trusted by UK businesses

"Guavas Finance came highly recommended and proved to be exactly what we needed."

S

AN Other
Caste Wealth Ltd
"We needed invoice finance sorted quickly, and Guavas really delivered."

A

Andrew Black
247 Secure Ltd
"Saved us the legwork and got us a facility that made a real difference to our working capital position".

I

Ian Robb
Timber Harvesting Ltd

Which type is right for you?

Invoice Factoring vs Invoice Discounting

  • Invoice Factoring
The lender manages your sales ledger and collects payments directly from your clients. You focus on running your business.
  • Lender handles credit control & collections
  • Your clients pay the lender directly
  • Typically lower rates (0.5-2%)
  • Ideal for businesses wanting to outsource collections
Best for growing businesses who want admin taken off their plate
  • Invoice Discounting
You retain full control of your sales ledger. Your clients never know you're using finance — it's completely confidential.
  • You manage credit control & collections
  • Clients pay you as normal — fully confidential
  • Slightly higher rates (1-3%)
  • Ideal for businesses with established credit processes
Best for established businesses who value confidentiality
Not sure? See how much you could unlock

Invoice Finance by Industry

Tailored for your sector

Recruitment Agencies
Bridge the gap between placing contractors and receiving client payments. Invoice finance is the number one funding solution for UK recruitment agencies.
  • Up to £400K+ unlocked per agency
Learn more
Construction & Trades
Fund materials, subcontractors, and equipment while waiting for stage payments. Combine invoice finance with asset finance for maximum flexibility.
  • Average £180K per construction client
Learn more
Recruitment Agencies
Bridge the gap between placing contractors and receiving client payments. Invoice finance is the number one funding solution for UK recruitment agencies.
  • 92% approval rate for service firms
Learn more
Recruitment Agencies
Bridge the gap between placing contractors and receiving client payments. Invoice finance is the number one funding solution for UK recruitment agencies.
  • Funding within 24 hours available
Learn more
Or try the calculator to see your numbers

How Invoice Finance Works

Three steps to unlock your cash flow

01

Submit your invoices
Send us your outstanding invoices. We verify them and match you with the best lender from our panel of 50+ UK providers.

02

Get funded in 24-48 hours
Receive up to 95% of the invoice value directly into your account. No waiting 30, 60, or 90 days for your clients to pay.

03

Repay when your client pays
When your customer settles the invoice, the remaining balance (minus a small fee) is released to you. No debt taken on.

Why invoice finance

Benefits of invoice financing for UK businesses

Improved cash flow
Access immediate funds from outstanding invoices rather than waiting 30, 60, or 90 days. Meet payroll, cover suppliers, and invest in growth — all without taking on debt.
Fast access to funds
Unlike traditional bank loans that take weeks, invoice finance provides funding within 24-48 hours of invoice submission. Speed matters when opportunities arise.
Reduced bad debt risk
Many invoice finance providers offer bad debt protection, absorbing the risk of customer non-payment. Your cash flow stays protected even if a client defaults.
Flexible and scalable
Your facility grows with your business. The more you invoice, the more funding you can access — making invoice finance ideal for fast-growing SMEs and seasonal businesses.
No additional debt
Invoice finance is not a loan. You're unlocking money that's already owed to you. This means no additional liability on your balance sheet and no personal guarantees required.
Outsourced credit control
With invoice factoring, the provider manages your collections. This frees up your team to focus on delivering services rather than chasing payments.

Common misconceptions

Invoice finance myths debunked

Even thriving businesses use invoice finance to optimise working capital and seize growth opportunities. It's a strategic cash flow tool, not a last resort.

Because invoice finance is secured against your invoices, it's typically cheaper than overdrafts, business loans, or merchant cash advances. The improved cash flow and ability to take on new work often far outweighs the cost.

With confidential invoice discounting, your clients never know you're using finance. Even with disclosed factoring, most clients understand it's a standard business practice used by companies of all sizes.

Invoice finance is available to businesses of all sizes, from sole traders to multi-million pound enterprises. Many providers specialise in SME facilities from as little as £10,000 per month.

Frequently Asked Questions

Invoice Finance FAQ

Invoice finance costs typically include a discount fee (charged on the advanced amount based on how long it takes your client to pay, usually expressed as a percentage over base rate) and a service fee (a percentage of the invoice value, typically 0.5-3%). The total cost varies depending on your invoice volume, client creditworthiness, and the type of facility. Because it's secured against invoices, it's often cheaper than unsecured alternatives.

Any business that invoices other businesses (B2B) for goods or services can use invoice finance. It's particularly popular with recruitment agencies, construction companies, manufacturers, transport firms, and professional services. You'll typically need a minimum monthly invoicing volume of around £5,000-£10,000, though some providers cater to smaller facilities.

That depends on which type you choose. With invoice discounting, your facility is completely confidential — your clients pay you as normal and never know finance is involved. With invoice factoring, payments are directed to the lender, so clients are aware. Both options are standard business practice and widely accepted across all industries.

Most invoice finance facilities can be set up within 5-10 working days from initial application. Once your facility is live, individual invoices are typically funded within 24-48 hours of submission. Some lenders offer same-day funding for established clients.

Not necessarily. Some providers offer selective invoice finance (also called spot factoring), where you choose which invoices to fund on an ad-hoc basis. However, whole-turnover facilities — where all invoices are included — typically come with lower rates and better terms.

With a non-recourse facility, the finance provider absorbs the loss if your customer defaults due to insolvency — protecting your business from bad debt. With recourse facilities (which are cheaper), you would need to repay the advance if the customer doesn't pay within an agreed period, typically 90-120 days.

Invoice finance converts an existing asset (your invoices) into cash, meaning it's not additional debt. Your facility grows automatically as your invoicing increases, unlike a fixed loan. There's no fixed repayment schedule — you repay when your clients pay. And approval is based primarily on your customers' creditworthiness, not yours.

Ready to unlock your invoices?

Choose the option that fits where you are right now
Download the Guide
Get our free PDF guide to invoice finance for UK SMEs. No obligation.
email me the PDF
Check Eligibility
Answer a few quick questions and get personalised quotes from 50+ lenders. Takes 60 seconds, no credit impact.
unlock cash now
Speak to a Specialist
Talk to Chris, our invoice finance expert. 15 minutes, no pressure, no obligation.
Logo Guavas Finance UK - Leading Finance Services in UK for Small Business White SVG
Home About Us Knowledge Guides Contact Us
Invoice Finance Asset Finance Business Loans Commercial Property Finance Recruitment Company Finance Partner Programme
get a quote
01992 918010 Email Us
Privacy Policy Cookie Policy Terms of Use Data Protection Notice

© 2026. Guavas Finance Ltd

Shelton Street, Covent Garden, London, WC2H 9JQ, UK
Logo Guavas Finance UK - Leading Finance Services in UK for Small Business White SVG
Invoice Finance Asset Finance Business Loans Commercial Property Finance Business Credit Cards Tax and VAT Funding
Home About Us Knowledge Guides Contact Us
get a quote
Privacy Policy Cookie Policy Terms of Use Data Protection Notice

© 2026. Guavas Finance Ltd

Shelton Street, Covent Garden, London, WC2H 9JQ, UK

Business Credit Card Quote

Step 1 of 10 - Progress 0%

This field is for validation purposes and should be left unchanged.
Terms and conditions apply.

Tax & VAT Funding Quote

Step 1 of 12 - Progress 0%

This field is for validation purposes and should be left unchanged.
Terms and conditions apply.

Property Finance Quote

Step 1 of 8 - Progress 0%

This field is for validation purposes and should be left unchanged.
Subject*
Terms and condition apply.

Invoice Finance Quote

Step 1 of 11 - Progress 0%

This field is for validation purposes and should be left unchanged.
Have you used invoice finance before?*
Terms and conditions apply.

Business Loan Quote

Step 1 of 11 - Progress 0%

This field is for validation purposes and should be left unchanged.
Have you taken out a business loan before?*
Terms and conditions apply.

Asset Finance Quote

Step 1 of 10 - Progress 0%

This field is for validation purposes and should be left unchanged.
Terms and conditions apply.

Get Quotes With Guavas

Terms and condition apply.