Cardiff businesses can use invoice finance to turn unpaid invoices into quick cash and keep operations running smoothly.
5-star Excellent Service
Cash flow is the lifeblood of any business, but in Cardiff — like many UK cities — long payment terms and slow-paying clients can create real pressure. Invoice finance offers a practical way to overcome this challenge by releasing funds tied up in your sales ledger, often within 24 hours.
We work with businesses across Cardiff, from creative agencies in the city centre to engineering firms in Splott and tradespeople in Llanishen. Whether you operate in recruitment, manufacturing, transport or B2B services, if you’re waiting 30 to 90 days for payment, invoice finance could be a game-changer.
There are two main options: factoring, which includes credit control services, and confidential invoice discounting, where you retain customer contact. We’ll help you determine the best fit based on your sector, size, and internal capabilities.
The benefits include improved cash flow, the ability to take on new contracts without delay, and reduced reliance on overdrafts or high-cost loans. Unlike traditional finance, invoice funding grows in line with your turnover, making it especially valuable for scaling businesses.
Our team will assess your sales ledger, introduce you to trusted lenders, and support you through the process — from proposal to implementation. If you’re ready to improve cash flow, reduce stress and unlock working capital, our invoice finance service is ready to help your Cardiff business thrive.
Fill out the form below or call us at 0330 027 0433 for more details and we'll get in touch to discuss your options.
It gives you access to money from unpaid invoices, which is helpful when managing materials and labour costs upfront.
No, small businesses and growing firms use it too—as long as you're invoicing other businesses and have reliable payment terms.
If you’ve got consistent invoicing and reliable clients, some funders will consider applications even if you’re under two years old.
Not always. Confidential invoice discounting lets you keep the facility in the background.
Yes, we can help transfer your facility if you're unhappy with your current funder or terms.
Fill out the form below or call us at 0330 027 0433 for more details
and we’ll get in touch to discuss your options.
We analyze your business profile to match you with
the right finance—fast and fee-free.
MacManus Asset Finance Ltd is authorised and regulated by the Financial Conduct Authority, FRN: 821663. MacManus Asset Finance Ltd is an authorised credit broker and not a lender. We work with a panel of lenders whose particulars will be supplied upon request to find a potentially suitable arrangement for your consideration. ICO registration Z9484665 and you can check via www.ico.org.uk MacManus Asset Finance Ltd, registered at Ground Floor, Unit 5 De Clare Court, Pontygwindy Road, Caerphilly, CF83 3HU. Company Register number is 05785432. We will receive commission from lenders. Different lenders pay different amounts depending on different commission models. For transparency we work with the following commission models: percentage of the amount you borrow and rate for risk (this is based on the risk profile of the business). Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.