Invoice Finance

Unlock £5k to £10m in as little as 24 hours with a 90% approval rate. Check your eligibility for free in 2 minutes.

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What is Invoice Finance?

Invoice finance allows your business to borrow money against amounts due from your customers. This allows you to improve cash flow, pay employees and suppliers, reinvest, buy equipment, and grow without having to wait for payments.

In short, Invoice Finance is a way to free up cash without having to wait for invoices to be cleared.

There are many forms of invoice finance including selectivefactoring, and discounting, all of which can be tailored to your specific needs. You can even keep your Invoice Finance facility confidential if preferred.

Have a chat with one of our experts today to ask any questions and see which facility best suits your business.


Accelerate cash flow

Free up available cash

100% confidential

Types of Invoice Finance

Selective Invoice Finance

Selective invoice finance, also known as spot factoring, allows you to unlock funds against one or more unpaid invoices. Selective invoice finance does not require you to sell your whole sales ledger, meaning it is an extremely flexible and easy to use finance facility for your business.

Invoice Discounting

Invoice discounting is a very popular choice and allows your business to sell its sales ledger, but unlike invoice factoring, credit control stays in-house. This means your customers will not know that you are using an invoice discounting facility, keeping the whole process completely confidential.

Invoice Factoring

Invoice factoring is the most widely used form of invoice finance available. Allowing you to unlock up to 95% of the cash tied up in invoices while freeing up substantial amounts of time and effort chasing customer payments and running credit control.

Construction Finance

Construction finance is a specialist funding solution for the construction sector. It allows your business to unlock unpaid invoices instead of waiting for them to be paid. Each facility is completely bespoke, and the amount you can borrow grows in line with your business.

How Invoice Finance Works

Step 1
Raise invoices
Depending on your chosen facility, either you or your chosen 3rd party will raise an invoice to your customer in the usual way.
Step 1
Step 2
Release funds
Send a copy of the invoice to your lender who will unlock up to 100% of the invoice value as a cash sum paid directly into your account.
Step 2
Step 3
When the invoice is due, the lender receives payment from your customer with any remaining invoice value not initially financed forwarded to you minus prearranged fees.
Step 3

If your company does not meet the criteria then don’t worry – our expert team can offer a whole array of options tailored to your specific business needs. Just contact us to find your ideal solution.

Release cash in your unpaid invoices


This will depend on the requirements needed and the type of business but can include a personal guarantee, fraud indemnity, or debenture.

Credit history is not the main thing that lenders look for when assessing whether a company is eligible for invoice finance. Instead, the company ledger will more often than not be the determining factor.

The short answer is none, as invoice finance can be accessed by new start-ups.

It depends on how much the company has tied up in unpaid invoices, but it can be as little as £10,000 and as much as £5m.

Not long at all. The process may differ depending on the company and its needs, but invoice finance facilities are very quick to set up in comparison to other forms of finance.

The short answer is yes but will depend upon the company’s individual circumstances.

Invoice finance is such a fundamental financial instrument for modern day businesses that there is no reason to worry that your clients or customers will have any issue with it, however if for any reason your business would prefer confidentiality then we can offer that service too.

Documentation needed will depend entirely upon the complexity of your business, and the ideal facility.

In most cases a fee will be incurred for early termination of a contract, however moving your facility to a different provider can often result in savings and other benefits.

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Reform Financial help thousands of companies and individuals to find the right financial support. The main benefit of speaking with us is that we do not offer advice, but instead we can give you a comprehensive understanding of all of our services, and guide you through the process should you decide that one of our solutions is for you. If you need more information please feel free to visit our Complaints Policy and Privacy Policy.

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