When customers pay late, your business shouldn’t suffer. Invoice finance from Phoenix Commercial Finance unlocks cash tied up in unpaid invoices, giving you access to working capital exactly when you need it.
We support UK businesses of all shapes and sizes, from growing SMEs to established companies, by arranging flexible business invoice finance solutions to help cover payroll, pay suppliers and maintain healthy cash flow.
If you’d like to speak to one of our experts about invoice finance, send us a message on WhatsApp or fill in our no obligation enquiry form – we’re happy to help.
Invoice finance (also known as invoice financing or receivables financing) allows businesses to borrow against the value of their unpaid invoices.
Instead of waiting 30, 60 or 90 days to be paid, you can access a large percentage of the invoice value upfront. Once your customer pays, the remaining balance is released to you, minus the agreed fees.
Invoice finance is commonly used by UK businesses that invoice other businesses (B2B) and want to smooth cash flow without taking on traditional loans.
There are two main types of invoice finance facilities:
With invoice factoring, the finance provider advances funds against your invoices and manages the credit control process, including collecting payment from your customers.
This option is often suited to:
Small businesses
Companies without in-house credit control
Businesses looking for hands-off invoice management
Invoice factoring for small businesses can free up both cash flow and admin time.
Invoice discounting allows you to access funds against your invoices while keeping full control of your sales ledger and customer relationships.
This is often used by:
Established businesses
Companies with strong credit control
Businesses wanting a more discreet solution
Many invoice discounting arrangements are structured as confidential invoice finance, meaning your customers won’t know you’re using a facility.
Access funds as soon as you invoice, rather than waiting for payment.
Your available finance grows in line with your sales.
Invoice funding is typically secured against your receivables, not property.
Cover wages, VAT, supplier costs, or invest in new opportunities without cash flow strain.
Invoice financing for small business owners can be more accessible than traditional borrowing.
Arranging invoice finance UK is straightforward with Phoenix Commercial Finance:
Tell us about your business, turnover, customers and funding needs.
We assess suitable invoice finance facilities and explain your options clearly.
We approach relevant invoice finance providers and secure competitive terms.
Once approved, the facility is put in place and funds can be accessed quickly.
Choosing the right invoice finance provider matters. At Phoenix Commercial Finance, we compare invoice factoring and invoice discounting across a wide panel of UK lenders to find the right structure for your business.
From first enquiry to funds in place, we handle everything quickly and clearly, making invoice finance simple, transparent and aligned with how your business actually operates.
Apply for invoice finance today or talk to one of our team by contacting us on WhatsApp or completing our quick, no-obligation enquiry form.
Yes. Invoice factoring is commonly used by small businesses that want to improve cash flow and outsource credit control. It can be a practical alternative to traditional invoice loans.
Invoice discounting allows you to retain control of your sales ledger, while invoice factoring includes credit control. Both are forms of invoice funding and receivables financing.
With confidential invoice finance, your customers are unaware that you’re using an invoice finance facility. You continue to collect payments as normal, making it a discreet option for established businesses.