Growth cashflow

Invoice finance: funding growth without dilution

For B2B businesses, invoice finance scales with sales automatically — the more you invoice, the more capital is available. Cheaper than equity, more flexible than a term loan.

Audience: B2B businesses on 30-90 day terms

Situation: Sales are growing but working capital is trapped in receivables — every new customer widens the funding gap.

Primary: Invoice Finance

The situation

The pattern is familiar: you win a large customer, ship product or deliver services, then wait 60-90 days. Meanwhile you've paid staff, suppliers and rent. Growth strangles the cash position.

How we approach it

We match the facility to your customer profile — confidential invoice discounting where you want customers unaware, factoring where you'd welcome collection support, selective invoice finance for single large invoices.

What that looks like in practice

Up to 90% advance against invoice value, usually within 24 hours
Confidential (CID) or disclosed (factoring) — your choice
Bad-debt protection available where customer concentration is high
Selective single-invoice options for one-off large invoices
Facility grows automatically as your sales grow

Typical timeline

Week 1
Sales ledger reviewed, facility structure agreed.
Week 2-3
Legal documentation, IT integration.
Week 3-4
Facility live, first advances drawn.

Common questions

Will my customers know?

Not on a confidential facility — advances come directly to your business, collections stay with you. Only factoring makes it visible.

What if a customer doesn't pay?

On a recourse facility you carry the bad debt; with bad-debt protection the funder does. Cost differs — worth modelling both if concentration is meaningful.

Are there minimum turnover requirements?

Most facilities start at around £250k annual turnover. Selective invoice finance can work below that.