Invoice Finance Solutions for
UK Businesses
Flexible invoice finance to release working capital and support growth for companies and directors.
What Is Invoice Finance?
Invoice finance allows businesses to unlock cash tied up in unpaid invoices — often within 24 hours. By advancing most of the invoice value upfront, companies improve cashflow stability, meet operational demands, and fund growth initiatives.
MacManus Asset Finance, an independent FCA-regulated broker, compares the full UK market to secure competitive invoice finance solutions — including invoice factoring, invoice discounting, and selective invoice funding. Our service ensures clarity, speed, and long-term partnership for growing businesses.
How Invoice Finance Works
Step By Step
1. Raise the invoice – issue invoices as normal.
2. Submit to the lender – via online portal or accounting software.
3. Receive the advance – typically up to 90% within 24 hours.
4. Customer Pays the Invoice
Factoring: customer pays the lender
Discounting: customer pays your trust account
5. Remaining balance released – minus agreed service fees.
Main Types of Invoice Finance
Invoice Factoring
The lender advances cash and manages credit control on your behalf. Customers pay the lender directly.
Ideal for: SMEs such as recruitment agencies, transport firms, and growing businesses that want support with collections.
Invoice Discounting
You retain control of your sales ledger, usually on a confidential basis.
Ideal for: Established SMEs with internal finance teams and strong credit control processes.
Selective (Spot) Invoice Finance
Fund individual invoices or selected customers without a whole-ledger commitment.
Ideal for: Project-based SMEs or businesses with occasional high-value invoices.
Whole Ledger Invoice Finance
Your full debtor book is funded to provide consistent cashflow.
Ideal for: Manufacturing, wholesale, engineering, and distribution SMEs with regular invoicing.
Benefits of Invoice Finance
Working with an expert broker provides clear advantages:
Cashflow Stability
Release up to 90% of invoice value immediately, providing reliable SME cashflow finance without waiting for customer payments.
Support for Growth
Take on larger orders, secure new contracts, and scale operations with confidence.
Predictable Working Capital
Cover payroll, fuel, materials, suppliers, and overheads without disruption.
Reduced Late-Payment Pressure
Late-paying customers no longer restrict your cashflow or growth plans.
Scalability
As turnover increases, available funding grows with your business.
Risk Management
Optional bad-debt protection reduces exposure to customer insolvency.
Operational Efficiency
Factoring options can include outsourced credit control, reducing admin and improving collections.
Why Use an Invoice Finance Broker?
Working with MacManus Asset Finance gives SMEs:
- Whole-market comparison for the best SME invoice finance solutions
- Negotiation of service fees, advance rates, and facility terms
- Stronger applications for faster approvals
- Support with trust accounts and onboarding
- Ongoing guidance throughout the facility lifecycle
Apply for Invoice Finance
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.
Industries We Support
We arrange Invoice Finance across sectors including:
- Haulage & Logistics
- Construction & Civil Engineering
- Manufacturing & Engineering
- Recruitment & Labour Supply
- Wholesale & Distribution
- Professional Services
- Waste & Recycling
- Print & Packaging
Each industry has unique cashflow patterns—we match SMEs with lenders who understand them.
Qualifications and Documents Needed
Lenders assess financial performance and customer stability.
Lenders typically assess:
- Strength and quality of the debtor book
- Customer payment history
- Trading stability and profitability
- Cashflow patterns
- Director credit profiles
- Debtor concentration risk
Documents required may include:
- Annual accounts
- Management accounts
- Aged debtor report
- Sample invoices
- Customer list with payment terms
- Bank statements (3–6 months)
- ID and address verification
Why Choose MacManus Asset Finance?
- 25+ years’ experience in Invoice Finance.
- Award-winning broker – Business Moneyfacts Asset Finance Broker of the Year 2024, commended 2025.
- Independent and FCA-regulated – impartial advice you can trust.
- Access to specialist SME lenders
- Transparent comparisons and advice
- Dedicated support from application to completion
- Trusted by UK businesses nationwide
Frequently Asked Questions
Fees vary, but typically include a service fee and a small discount fee. Improved cashflow often more than offsets the cost.
Not with confidential invoice discounting. Factoring is disclosed and includes credit control.
Yes — with selective invoice finance.
Yes, provided it meets lender criteria on age and condition.
No. You are unlocking money already owed to you.
Yes — if they invoice creditworthy customers.
Typically 7–14 days.
Bad-debt protection is available.
Handled correctly, no. Many large organisations expect suppliers to use it.
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Invoice Finance for UK Businesses | Award-Winning Asset Finance Brokers
Discover tailored invoice finance with MacManus Asset Finance. Independent, FCA-regulated asset finance brokers with 25+ years’ experience.
- OR CALL
- 0330 027 0433
Apply for Invoice Finance
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.
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