Positive Cash Flow Finance
Quick Cash from Unpaid Invoices
- Receive up to 95% of invoice value
- Sell single or multiple invoices
- Fast, stress-free funding in 24 hours
- Fast Approval, No Strings Attached
Free up your cash flow with Positive Cash Flow
Experience the freedom of stress-free cash flow. Positive Cash Flow transforms your unpaid invoices into liquid assets, allowing you to seize opportunities, invest in growth, and maintain a healthy financial position.
Get up to 95% of your invoice value
Turn your invoices into instant cash and supercharge your business.
Get funding in 24 hours
Receive funds in your account within 24 hours of approval.
Confidential service
We offer a confidential discount program that's invisible to your clients.
Sell invoices one at a time or in larger quantities
From single invoices to full sales ledgers, we offer flexible finance solutions.
Boost cash flow
Access your money instantly with Positive Cash Flow Finance. No more waiting for clients to pay.
Hassle-free payments
Streamline your business with automated sales ledger and debt collection.
How does invoice finance work?
Positive Cash Flow provides immediate cash flow by selling your unpaid invoices at a discount. You can choose to manage your customer relationships and sales ledger yourself, or outsource it to the invoice finance provider.
1
Invoice your clients as usual
Continue to transact with business customers as per usual practices, issuing invoices with a 30 to 90-day payment period.
2
Choose invoices to sell
After your facility is set up, you have the flexibility to choose between releasing cash against a single invoice, a group of invoices, or your complete sales ledger. The invoice financier will acquire the debt owed to you by your customers.
3
Receive up to 95% upfront
Accelerate your cash flow with 95% invoice advances in 24 hours.
4
Customer pays the invoice
Upon invoice maturity, your client will remit payment directly to the invoice finance provider's account. Depending on your chosen facility, the provider can assume responsibility for sales ledger management, credit control, and customer payment follow-up, or you may retain these functions.
5
Receive final balance
You’ll then get the remaining balance, less any fees and charges.
Get your free, tailored, no-obligation quote today
The types of invoice finance
Invoice finance offers various solutions tailored to specific business needs. The two primary types for SMEs are invoice discounting, where the business retains control of its sales ledger, and invoice factoring, where the finance provider manages credit control and debt collection.
Invoice Discounting
Access funding while managing your own credit control – 100% confidential service.
Invoice Discounting
Access funding while managing your own credit control – 100% confidential service.
Let's compare them...
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Discounting
Factoring
Is it possible to release up to 95% within 24 hours?
Do you offer credit control services?
The provider manages sales ledger and invoice collection on your behalf.
Is it confidential?
Confidentiality means that customers will not know you are using a facility.
Fast invoice finance for small businesses in the UK
Get fast access to funds with invoice financing. Unlike traditional financing methods, you can receive funds in as little as 24 hours after approval.
Our flexible SME invoice finance solutions cater to a wide range of businesses, from budding startups to well-established corporations.
- Streamlined Application Process: Quick and easy to set up.
- Enhanced Cash Flow: Improve your financial liquidity.
- Transparent Fees: Simple and straightforward pricing.
Proud to support Britain's Businesses
Since 2014, we’ve helped many businesses, large and small, get access to the working capital they need through invoice financing.
Invoice Finance Frequently Asked Questions
What is invoice financing?
Positive Cash Flow Finance provides businesses with immediate access to funds tied up in unpaid invoices. By selling these invoices, you can accelerate cash flow and invest in future growth.
Is invoice financing a good idea?
Positive Cash Flow Finance can provide a cash flow boost to businesses of all sizes, especially those with substantial amounts tied up in unpaid invoices. Here are some of its advantages:
- Boost your cash flow
- Enjoy greater financial flexibility
- Reduce risk of late and missed payments
- Access funds quickly
Is invoice finance just a loan?
Invoice finance offers a unique approach to cash flow, providing immediate access to the money your customers owe you. Unlike traditional loans, it doesn’t feel like borrowing, as you’re simply accelerating your existing income stream.
Am I tied into a lengthy contract?Am I tied into a lengthy contract?
The contract length depends on the chosen invoice finance facility. Continuous facilities like factoring or discounting often require six-month or annual contracts. Some providers offer trial periods, while selective invoice finance providers may operate on a ‘pay-as-you-go’ basis without contracts.
Do I qualify for invoice financing?
Wondering if your business is eligible for invoice financing? Here’s what you need to know:
- Client Base: Do you invoice business clients or customers for products or services?
- Creditworthiness: Are your clients reliable and have a good credit history?
- Business Structure: Is your business a Limited company, LLP, or sole trader?
- Location: Is your business based in the UK or Ireland?
While these are general requirements, some providers may have specific criteria, such as minimum turnover or monthly invoices.
Apply today to find out if your business is a good fit for invoice financing.
What support is given when I open an invoice financing account?
Most providers offer a dedicated account manager and real-time access to your account for managing funds.
How am I protected if my customer won’t pay?
Many invoice finance providers offer Bad Debt Protection, a safeguard against potential losses from customers who default on payments. Prioritize this feature, especially if you anticipate dealing with high-risk clients.
Why is invoice finance better than lending from a bank?
Many businesses struggle to secure traditional financing, like bank loans. Your eligibility is based on your future sales potential, not past financial performance. By controlling the number of invoices you submit, you can accurately estimate the potential advance amount and plan your cash flow for the future.
Will using a third party for invoice finance affect my customer relationship?
By opting for a factoring facility, you’ll delegate credit control to your invoice finance provider. This means your customers will be aware of the arrangement, and your provider’s specialized team will handle the process. This often leads to smoother transactions and timely payments, resulting in happier customers.
How much does invoice financing cost?
Your costs will vary based on the specific invoice finance agreement and provider you choose. Typically, you’ll pay:
- Service Fee: A percentage of your gross turnover, covering the invoice facility’s cost.
- Discount Fee: A percentage of the invoice value, reflecting the cost of borrowing.
Some providers offer fee-free setups and charge only when they secure payment. Others may charge upfront setup and ongoing service fees for outstanding invoices.
To understand your exact costs, apply today for a free, tailored quote.
Are invoice finance providers regulated?
The Financial Conduct Authority (FCA): An independent, non-governmental body regulating the UK financial services industry. While the FCA oversees many products within business finance, it currently does not regulate invoice finance.
UK Finance: Formerly known as ABFA, UK Finance is a trade association representing over 300 UK credit providers, including invoice finance companies. All Invoice Finance and Asset Based Lending (IFABL) members are bound by specific standards and a code of practice.
I'm a startup business, am I eligible for invoice finance?
To qualify for this funding, you must have invoiced customers, even if your startup is in its early stages. Pre-revenue businesses are not eligible until they begin billing clients. However, many financial providers offer alternative solutions for startups. Explore these options to find the best fit for your business.
How quickly could I be accepted for an invoice finance account?
Providers will need to verify your information before you can open an account. However, if your application is approved, you could be receiving advances within days of submitting your first invoice.