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What is Transport & Logistics Factoring?

Transport and logistics factoring is a financial solution designed to help haulage companies, couriers and freight operators maintain steady cash flow by unlocking funds tied up in unpaid invoices. Instead of waiting 30, 60, or 90 days for customers to pay, factoring allows your business to access up to 90% of invoice values within 24 hours.

  • ✅ Same-day payments for approved invoices
  • ✅ Keep drivers and suppliers paid on time
  • ✅ Optional fuel card and credit control services

Factoring Made Simple for the Transport Industry

Our panel of specialist partner brokers can help you find the right factoring or invoice finance solution for your transport or logistics business. Whether you’re managing fuel costs, covering driver wages, or expanding your fleet, we make the funding process fast, simple and stress-free.

With access to lenders and finance providers who understand the transport sector, you’ll be matched with flexible funding options that suit your operations and cash flow cycle. This ensures you can focus on keeping your vehicles on the road and your business moving.

This service is completely FREE and comes with no obligation.

Fast Funding for Haulage & Freight

Access cash quickly against outstanding invoices to keep your fleet moving and cover fuel, wages and maintenance costs without delay.

Tailored Finance for Transport Businesses

Flexible factoring and invoice discounting options built around your payment terms and customer base — ideal for growing logistics and courier companies.

Expert Broker Support

Get guidance from FCA-regulated finance specialists who understand the transport industry and can secure competitive factoring solutions.

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

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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.

Haulage & Logistics Factoring – Fast Funding for UK Operators

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FAQS

How does transport factoring work? +
The finance company advances up to 90% of the invoice value once you deliver, then pays the balance (minus a small fee) when your client settles the invoice.
Can I use factoring if I’m an owner-driver? +
Yes, many providers cater specifically to small haulage and courier businesses, helping sole traders and owner-drivers manage cash flow effectively.
What types of transport businesses can use factoring? +
Factoring is available to most haulage, courier, and logistics companies — whether you run a fleet of HGVs, operate as a subcontractor, or manage same-day delivery vans.
How quickly can I get paid through factoring? +
In most cases, you can receive up to 90% of your invoice value within 24 hours of submission. The remaining balance (minus fees) is paid when your customer pays.
Do I need to factor all my invoices? +
No, you can choose between full factoring (all invoices) or selective factoring, allowing you to unlock cash only from specific clients or jobs when needed.
Will my customers know I’m using a factoring company? +
That depends on the product. With confidential invoice discounting, your customers continue paying you directly — they won’t know a finance company is involved.
Is factoring suitable for new transport businesses? +
Yes, factoring is often easier to obtain than traditional business loans, making it ideal for new operators and start-ups with limited trading history.
What fees are involved with transport factoring? +
Providers usually charge a service fee (a small percentage of turnover) and a discount rate (interest on the funds advanced). Rates depend on invoice volume and client reliability.
What’s the difference between haulage finance and invoice factoring? +
Haulage finance covers all types of funding for transport businesses — such as asset loans, leasing, and factoring. Invoice factoring focuses specifically on releasing cash from unpaid invoices to improve working capital.
How can invoice discounting help my UK logistics business? +
Invoice discounting lets you borrow against unpaid invoices while keeping control of your customer relationships. It’s ideal for established logistics firms that want faster access to funds without changing how they manage payments.
What are the main benefits of transport factoring in the UK? +
Factoring gives reliable cash flow, reduces late payment stress, and helps cover fuel, wages, and maintenance costs. It keeps your fleet moving even when clients take up to 90 days to pay.
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