Guavas Finance UK - Leading Finance Services in UK for Small Business.
  • Professional services specialist 
  • invoice Finance Broker of the Year 2025

Long payment cycles shouldn't constrain your consultancy.

Professional services finance solutions for UK consultancies, agencies, and B2B firms — including invoice finance, working capital, and business loans.

90%

Advance on service invoices

48hr

From enquiry to cash

50+

Specialist lenders
Check my eligibility
How it works
  • 48hr funding
  • 90% Advance on invoices      
  • Consultancies and agencies             
guavas favicon Simplified Business Finance Solutions with Guavas

The Professional Services Cash Trap

Corporate clients pay on 90-day terms. Your costs don't wait.

Your consulting engagement is worth £150K. Your team of 12 costs £80K per month. The client's AP department processes invoices on 60–90 day terms. You're effectively lending your corporate client money — interest-free — while your cash reserves shrink.

The result? Capping your headcount because you can't fund the bench. Turning down engagements from blue-chip clients. Discounting fees to get faster payment — eroding the margins you've earned.
"Chris was very patient, took the time to explain the nuances of our situation. Professional to deal with, no messing about." — Phoenix Reign, Verified client

THE PROFESSIONAL SERVICES CASH GAP

90

days waiting

That's how long corporate AP departments take to pay — while your team, freelancers, and rent can't wait.
  • With Guavas: 48 hours, fully confidential
Finance for professional services

Confidential. Discreet. Your clients never know.

Confidential invoice finance lets you unlock up to 90% of your B2B service invoices — within 48 hours. Your client continues paying you as normal. They never know a finance provider is involved. Your professional reputation stays intact while your cash flow transforms.
  • Up to 90% advance on service invoices
  • Fully confidential — clients never know
  • Works with retainer & project billing
  • Bad debt protection available
  • Scales with your client base
Check my eligibility

REAL PROFESSIONAL SERVICES SCENARIO

You're invoicing £300K a month across enterprise clients on 60–90 day terms. Demand is there for 40 consultants. You're stuck at 25 — because you can't fund the bench between engagements.

Within the week, a confidential invoice finance facility confidential invoice finance facility is in place. Your clients keep paying you direct, exactly as before. They never know.

Six months on: team of 38, two new FTSE 250 names onboarded, bench fully funded. Your reputation intact, your growth unlocked — and nobody outside your finance team knows how you did it.
Trusted by UK professional services firms

How it Works

From cash-constrained to funded in 4 steps

No jargon. No hidden steps. Just a clear path from enquiry to cash in your account.

01

Tell us about your firm
Complete our 60-second eligibility check. We ask about your invoicing, client base, and funding needs.
60 seconds

02

We match you with lenders
Chris analyses your situation and matches you with lenders who specialise in professional services from our panel of 50+.
Same day

03

Compare your quotes
Review competitive quotes side by side. We explain every term clearly — no jargon, no hidden fees, no pressure.
24–48 hours

04

Get funded
Sign your facility. Start submitting invoices. Cash hits your account within 48 hours of each invoice — every time.
48 hours

Check your firm's eligibility

This isn't a generic contact form. It's designed for professional services — consultancies, agencies, and B2B service firms with corporate clients.
  • Tailored to professional service
  • Chris calls you back within minutes
  • No credit impact whatsoever
  • Completely free and confidential
Chris Dolan Image
Chris Dolan
Commercial Finance Director · Professional services specialist
● Online · Avg. response: 90 seconds

Trusted By Professional Services Firms

What professional services firms say

"Chris was very patient, took the time to explain the nuances of our situation. Professional to deal with, no messing about. He understood our sector immediately."

PR

Phoenix Reign
Professional services · Verified client
"Chris made it simple; he understood what we needed and came back with suitable options fast. No unnecessary paperwork — just clear advice and quick action."

SA

Smart Actuation
Verified client
"What truly stood out was how simple they made it. They didn't overcomplicate anything — which is exactly what you want when you're trying to run a business, not manage finance applications."

DC

Defense.com Ltd
Tech & professional services · Verified client

Common Questions

What professional services firms ask us

Not unless you want them to. Confidential invoice finance means your client pays you as normal — they never interact with the finance provider. Your invoices, your branding, your relationship. This is the most popular option among consultancies and professional services firms where reputation is everything.

Yes. Whether you bill on a project basis, monthly retainer, or milestone schedule, invoice finance works as long as you're invoicing a B2B client. Each invoice is advanced individually, so it works with any billing structure. Advance rates are typically up to 90% within 48 hours.

Fees typically range from 0.5% to 3% of the invoice value, depending on volume, confidentiality level, and debtor quality. For professional services firms with blue-chip clients, rates tend to be at the lower end — because the debtors are highly creditworthy.

Yes. Selective invoice finance lets you choose which invoices to advance — ideal if you only need to bridge cash flow for one or two slow-paying enterprise clients while others pay on time.

Most facilities are live within 5–7 working days. For urgent cases, we've set up facilities in 48 hours. Having your accounts, client contracts, and recent invoices ready makes the process faster. Most lenders require 3–6 months of trading history.
  • Award-winning
    Broker of the Year 2025
  • Services funded
    Consultancies & agencies
  • 48hr funding
    From enquiry to cash
  • 100% confidential
    Option available
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