Invoice Finance for
Haulage Businesses
Avoid waiting too much time and miss out on opportunities for business growth. Secure cash right away locked from invoices up to 90% of the value.
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Turn Unpaid Invoices Into Cash To Keep Haulage Operations Moving
Cashflow is the single biggest challenge for most haulage firms. While the demand for logistics and freight services is strong, the financial reality of waiting weeks — or even months — for clients to pay invoices can create serious strain. At the same time, operating expenses such as fuel, wages, vehicle maintenance, and insurance never stop. This mismatch between outgoing costs and incoming payments is what holds back many otherwise profitable operators.
Haulage invoice finance is designed to solve this problem. By unlocking cash tied up in unpaid invoices, it provides immediate access to working capital, allowing firms to cover essential expenses and focus on growth rather than chasing payments. For many haulage businesses, invoice finance has become the difference between financial survival and sustainable growth.
The Cashflow Problem in Haulage
Most haulage companies operate on thin margins, with high fixed costs and unpredictable external pressures. Fuel, driver wages, and compliance costs continue regardless of whether invoices are settled on time. Customers, particularly in sectors such as retail and manufacturing, often insist on payment terms of 30, 60, or even 90 days.
This delay can leave operators short of funds when they most need them. Covering weekly fuel bills, paying drivers, repairing vehicles, and dealing with unforeseen costs becomes a juggling act. In some cases, the lack of cashflow even prevents firms from taking on new contracts, as they cannot afford the upfront costs of extra fuel or additional drivers.
Invoice finance addresses these challenges head-on, ensuring that unpaid invoices are no longer a source of stress but instead a powerful funding tool.
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How Invoice Finance Works
The process of haulage invoice finance is simple but highly effective:
Issue an Invoice
When you complete a job and raise an invoice for your client, you submit it to the finance provider.
Advance Payment
Instead of waiting weeks, you receive up to 90% of the invoice value within 24–48 hours.
Customer Pays
Once your client pays, the balance (minus a small fee) is transferred to you.
There are different structures to suit your business:
Factoring
The finance provider manages the credit control and collections process.
Confidential Invoice Discounting
You retain control of customer relationships, while the facility remains unseen by your clients.
Selective Invoice Finance
Choose specific invoices to finance rather than your entire ledger.
This flexibility ensures that haulage businesses of all sizes can benefit, whether they want ongoing cashflow support or occasional assistance during busy periods.
Benefits of Haulage Invoice Finance
Immediate Access to Funds
No more waiting 60+ days for payments.
Improved Cashflow
Cover fuel, wages, and running costs consistently.
Take On More Contracts
Confidently accept larger jobs knowing cashflow won’t be a barrier.
Reduced Stress
No need to chase late-paying clients.
Flexibility
Finance all invoices or only select those that suit your needs.
Growth Potential
Use cashflow stability to invest in new vehicles, depots, or technology.
Why Invoice Finance is Ideal for Haulage Operators
Unlike many industries, haulage faces high upfront costs for every contract taken on. Whether it’s filling a fuel tank for long-distance deliveries or paying drivers weekly, cash is required before revenue is realised. Invoice finance bridges this gap perfectly. It ensures operators are never held back from growth opportunities due to delayed customer payments.
For smaller operators, this stability provides peace of mind that essential outgoings are covered. For larger fleets, invoice finance can underpin expansion strategies, ensuring the resources are in place to scale without disruption.
Why Choose MacManus Asset Finance?
MacManus Asset Finance works closely with UK haulage operators to design invoice finance facilities that match their business needs. We partner with a wide panel of specialist lenders who understand the sector and can offer competitive terms unavailable from traditional banks.
When you work with us, you benefit from:
- Specialist Knowledge – We know the haulage industry inside out.
- Tailored Solutions – Facilities structured around your contracts and clients.
- Transparent Fees – No hidden costs or confusing structures.
- Fast Access to Funds – Quick decisions and fast release of capital.
Ongoing Support – Guidance throughout the facility’s life.
Key Takeaways
Invoice finance is more than just a cashflow tool — it’s a growth enabler for haulage businesses. By turning outstanding invoices into immediate working capital, firms can cover essential costs, take on new opportunities, and reduce financial stress.
With MacManus Asset Finance as your partner, you gain more than funding — you gain a finance solution tailored to your business and backed by industry expertise. Whether you’re an owner-operator or managing a national fleet, our haulage invoice finance solutions will keep your business moving forward with confidence.
Haulage Invoice Finance FAQs
No. With selective invoice finance, you can choose which invoices to fund.
Typically between 70% and 90%, depending on the lender.
Not necessarily. Confidential invoice discounting ensures they remain unaware.
No, it benefits businesses of all sizes, including small operators.
Fees vary by provider but are always agreed transparently upfront.
In many cases, funds are advanced within 24–48 hours of raising an invoice.
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