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FCA-Regulated Providers

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UK-Wide Coverage

What is Factoring?

Factoring, also known as invoice finance, helps UK companies improve cash flow by unlocking funds tied up in unpaid invoices. Instead of waiting 30, 60, or even 90 days for payment, you can access up to 90% of the invoice value within 24 hours.

Whether you run a service-based company, manufacturing firm, wholesale business or consultancy, factoring gives you immediate working capital to pay suppliers, meet payroll, and grow your operations.

  • ✅ Improve business cash flow instantly
  • ✅ Free up funds for growth and expansion
  • ✅ Protect your business from late payments

Flexible Invoice Finance for All Industries

Our network of UK factoring specialists can match you with providers who understand your business needs. Whether you’re a startup, growing SME, or established company, we’ll help you find a funding solution that fits your payment cycles and client base.

With access to multiple FCA-regulated providers, you’ll receive competitive quotes and flexible terms — completely free and with no obligation.

Fast Funding for Businesses

Access cash quickly from unpaid invoices to cover suppliers, payroll and day-to-day costs without slowing growth.

Tailored Finance for UK SMEs

Flexible invoice factoring shaped around your payment terms and sales cycles — ideal for services, wholesale, manufacturing, and more.

Expert Broker Support

Get guidance from FCA-regulated commercial finance specialists who can secure competitive factoring solutions tailored to your business.

We work only with FCA-regulated commercial finance brokers, ensuring your details are secure and your enquiry handled quickly and professionally.

Compare Factoring Quotes

Our Promise to You

Clarity, trust and no pressure — always.

Our comparison service is free to use with no hidden fees. We may receive a referral commission from FCA-regulated providers if you choose to proceed, but our commitment is the same every time — to provide honest, transparent information so you can choose the best factoring or invoice finance solution for your UK business.

process

Simple & Stress-Free Process

No pressure. No obligation. Just expert guidance.

1. Tell us about your business, sector, turnover and debtor terms.

2. Get matched with up to 3 FCA-regulated UK lenders or brokers.

3. Compare advance rates, fees and contract types — get funded in as little as 24 hours.

Compare Factoring Rates and Boost Your Cash Flow

Compare Factoring Quotes

FAQS

What is invoice factoring and how does it work? +
Invoice factoring lets you release cash tied up in unpaid invoices. A finance provider advances up to ~90% of the invoice value now, then pays the balance (minus fees) when your customer settles.
What’s the difference between factoring and invoice discounting? +
With factoring, the provider can manage collections/credit control on your behalf. With invoice discounting, you keep control of chasing payments and the facility is usually more confidential.
Are your providers FCA-regulated? +
Yes. We only match you with reputable, FCA-regulated UK lenders and brokers to ensure transparent pricing, fair treatment and robust data protection.
How fast can I get funded? +
Once approved, many providers can advance cash within 24 hours of uploading verified invoices. Onboarding typically takes a few days once documents are submitted.
What industries do you cover? +
We support most UK SMEs, with strong options for Construction, Transport/Logistics, Recruitment (temp payroll), and Manufacturing (including export factoring).
What does it cost? +
Fees vary by sector, debtor quality, volumes and facility type. You’ll see like-for-like quotes showing service fees, discount rates (interest), minimums and any setup/termination fees before you decide.
Do I have to factor every invoice? +
Not necessarily. Many providers offer selective or spot factoring so you can choose which invoices—or customers—to fund.
Will factoring affect my customer relationships? +
Providers perform credit checks and verify invoices professionally. If you prefer discretion, ask about confidential facilities or invoice discounting where you keep credit control.
Am I eligible if I’m a startup or have limited trading history? +
Yes, several lenders support early-stage businesses, provided you issue invoices to creditworthy UK (or export) customers on agreed payment terms.
What documents will I need to apply? +
Typically: recent bank statements, aged debtor/creditor lists, sample invoices, customer contracts/POs, and basic company/ID details. Your matched providers will confirm exactly what’s required.
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