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

Stop turning down contracts because of payroll gaps.

Struggling with payroll gaps?
Recruitment agency finance for UK firms. Unlock invoice cash fast and access flexible funding. No obligation.

90%

Advance on service invoices

48hr

From enquiry to cash

50+

Specialist lenders
Check my eligibility
How it works
  • 48hr funding
  • Confidential option available
  • 50+ agencies funded
guavas favicon Simplified Business Finance Solutions with Guavas

The Recruitment Cash Flow Trap

You invoice on 60-day terms. Your contractors need paying weekly.

That gap is where growth dies. You're not short of work — you're short of cash. And every week you wait for a client to pay, you're funding their business with yours.

The result? Turning down contracts you could easily deliver. Missing payroll nd damaging your reputation. Lying awake wondering if that invoice will land in time.
"We were 3 days from missing payroll. £800K in invoicing, but 60-day terms meant we couldn't fund the gap." — Sarah, Recruitment MD

THE RECRUITMENT CASH FLOW GAP

60

days waiting

That's how long your cash sits in someone else's account — while contractors, payroll, and overheads can't wait.
  • With Guavas: 48 hours
Invoice finance for recruitment

It's not a loan. It's your money — released faster.

Invoice finance lets you unlock up to 90% of the value of unpaid invoices — within 48 hours of sending them. When your client pays, the balance (minus a small fee) comes to you. No debt. No equity. Just faster cash flow.
  • Up to 90% advance on every invoice
  • Cash in your account within 48 hours
  • Confidential option — clients never know
  • Bad debt protection available
  • Grows with your business — no cap
Check my eligibility

REAL RECRUITMENT SCENARIO

Imagine: you're invoicing £800K per month and everything looks great on paper. Except your clients pay on 60-day terms and you're three days from missing payroll. Again.

Within 48 hours a £400K invoice finance facility is live. Your money, just released faster.

From that point on: staff paid on time every week. Bigger contracts you'd have had to turn down — now yours. Zero cash flow stress. That's not aspirational; that's what the facility actually does.
Trusted by 50+ UK agencies

How it Works

From payroll stress 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 agency
Complete our 60-second eligibility check. We ask about your invoicing volume, payment terms, and objectives.
60 seconds

02

We match you with lenders
Chris analyses your situation and matches you with the best-fit lenders from our panel of 50+ specialists.
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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© 2026. Guavas Finance Ltd

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

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