Invoice Finance Solutions to Improve Cash Flow for Your Business
Unpaid invoices shouldn’t hold your business back. Funding Guru helps you unlock fast, flexible cash flow by turning outstanding invoices into working capital – so you can keep projects moving and growth on track.
- Loan from £25k to £5 million +
- Trusted by 500+ UK business owners
- Same day decisions
- Bad credit accepted
- Flexible repayment terms
What Smart Invoice Financing Can Do for Your Business
Improve Cash Flow
Release your cash and benefit from improved liquidity.
Facilitate Financial Flexibility
Unlocking capital from invoices lets you act fast and make smart business moves when it matters most.
Offer Peace of Mind
We chase your invoices, so you can focus on growing your business - not your inbox.
Improved Financial Operations
Invoice financing frees up cash flow, helping you move past delays and focus on growth.
What is Invoice Finance?
Invoice Finance is a type of business loan which helps businesses by using their outstanding invoices to offer funding. Lenders cover the majority of your unpaid invoices, and you enjoy immediate funds to boost cash flow and promote financial efficiency.
Key Benefits of Funding Guru’s Invoice Finance Solutions
Invoice finance can offer a host of benefits for your business, here are just a few:
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Swift Access to Funds:
Unlock capital tied up in outstanding invoices [in just X days] to keep your business moving. -
Improved Cash Flow:
Convert unpaid invoices into readily available funds for smoother operations. -
Reduced Credit Risk:
Reduce payment risks as Funding Guru takes responsibility, allowing your business to grow confidently. -
Financial Flexibility :
Customised Invoice Finance solutions offer funding that works for your business’ strategies.
Application Process for Invoice Finance
1. Quick Online Enquiry
Our online form takes 1 minute to fill out. Simply input your details and the type of funding you’re looking for.
2. Invoice Submission
Provide us with the details of the outstanding invoices you intend to finance.
3. Receive a Personalised Proposal
We create a personalised financing proposal for every one of our clients to ensure it’s a good fit for you - and that the repayment terms and options are clear.
4. Approval & Funding
Once approved, we guarantee quick access to funds to allow you to address your immediate financial needs or the opportunity you’ve been meaning to chase.
Differences Between Secured vs. Unsecured Loans
Secured loans are tied to your collateral (property, stock, machinery) where unsecured loans are evaluated on business financials and credit scores. Secured loans are seen as less risky for lenders, so they benefit from lower interest rates and longer repayment terms than unsecured.
Read our in-depth discussion of the key differences between unsecured and secured loans in our blog.
Types of Invoice Financing Solutions
Funding Guru provides three key types of invoice financing so you can choose the one that best suits your business requirements:
Selective Invoice Discounting
Got an invoice that just won’t clear? Spot financing with selective invoice discounting allows you to borrow against your chosen invoices. Funding Guru enables you to retain control of your processes while enjoying immediate funds, keeping your customers unaware of third-party involvement. Simply invoice your customer as usual, share a copy with us, and receive up to 90% of the invoice value. When your customer pays, you settle with us – a straightforward process.
Suitable for:
- Businesses with significant invoices seeking immediate access to funds.
- Firms navigating seasonal cycles that need to maintain consistent year-round cash flow.
- Companies not inclined to borrow against their entire invoice ledger.
- Any business desiring flexibility to borrow against individual invoices.
Confidential Invoice Discounting
Borrow against outstanding invoices without your customers being aware through confidential invoice discounting. This invoice financing option sets up an ongoing credit facility with Funding Guru, enabling you to borrow up to an agreed rate when you need it most. Borrow up to 90% of an invoice as soon as it’s issued, maintaining cash flow even when customers are slow to pay.
Suitable for:
- Businesses looking to enhance cash flow before an invoice is paid.
- Businesses that want to retain control of internal processes and would prefer their customers don’t know about third-party involvement.
- Firms prioritising the preservation of customer relationships, like entertainment, PR and marketing.
Invoice Factoring
Businesses that don’t want the fuss of chasing invoices, invoice factoring is for you. The lender manages invoice collections, agreeing to buy outstanding invoices up to a specified percentage. Let’s say , a provider buys 85% of £8,000 worth of invoices, you’ll receive an immediate cash payment of £6,800. Fees are deducted for arranging the loan, and the factoring company handles invoice chasing, with the final 15% paid when the invoice is settled.
Funding Guru prides itself on handling collections professionally and sensitively to preserve your customer relationships.
Suitable for:
- Business owners who don’t have the time to chase payments.
- Agency owners who need to spend their valuable time on sales, delivery & marketing.
- Firms benefiting from support from a specialised invoice finance manager.
Founder and CEO, Funding Guru
Matt’s Thoughts on Invoice Finance
“Invoice finance helps with your cash flow, which is essential to the smooth running of a business. It is particularly helpful when you supply goods or services that require you to pay your suppliers quicker than your customers pay you. Without funding to fill the gap it is very difficult to grow your business.
Invoice finance can also alleviate some of the risk of taking on new customers and help you manage your exposure to them. It certainly isn’t a magic financial pill, but invoice finance can certainly help your business function more efficiently. Contact us today to see how asset finance can be used to help your company grow or branch into new areas.”
How Invoice Finance Works
Once you’re working with an invoice finance partner, the process will look like this:
- You issue an invoice to your customer as normal.
- You’ll receive a percentage of up to 90% of the invoice total from Funding Guru (typically within a couple of days).
- When the customer pays the invoice, the payment is made into an account operated by the lender.
- The lender then sends the remainder due to you, minus fees
- Or, you receive the full invoice amount from your client, and repay the amount borrowed from the finance provider (plus fees).
Depending on the form of invoice finance you choose, your customer doesn’t have to know that there is a lender involved.
Costs Involved in Invoice Finance
As with any business loan, there is a cost involved when borrowing money. Invoice financing costs are proportional to the services you require from your lender.
If you opt for selective invoice financing (SIF), you’ll have a service fee taken from the total invoice amount. If you go for the full suite Invoice Factoring service – the fee will be more as you’re delegating the chasing of invoices to your partner.
At Funding Guru, we provide personalised proposals with clear breakdowns of the fees and repayments required before you sign, so you have complete clarity over your loan terms.
How Much Can I Borrow Through Invoice Finance?
Funding Guru typically offers up to 90% of the value of commercial invoices so you can immediately grow your business. We’ll look at your whole sales ledger across a year to assess how much finance we can offer, meaning the amount will be based on typical sales performance rather than individual invoice amount.
Why Choose Us for Your Invoice Finance Solutions
Choosing the right partner for invoice finance can make all the difference. At Funding Guru, we combine flexibility, transparency, and proven expertise to deliver tailored solutions that keep your cash flow steady and your business moving forward.
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Finance Solutions That are Tailored to You:
Our personalised and flexible financing solutions designed to meet the unique needs of your service-based business. -
Transparent Approach, Always:
We appreciate transparency in business. So that’s exactly what we offer you. At every step of the financing journey, you’ll have complete clarity so you can have confidence in your financial decisions. -
Proven Success Stories:
With Funding Guru, you’re not only getting financial guidance, you’re joining a community of thriving businesses that have achieved success with our expertise and support. -
20+ Years of Industry Experience:
We understand what it means to grow a successful business. By choosing Funding Guru, you’re choosing a partner with years of industry experience to provide you with insights to navigate the complexities of business finance. -
Prioritising Efficiency and Simplicity:
Our streamlined processes make obtaining business finance quick and efficient, allowing you to grow your business without financial uncertainty holding you back.
Testimonials
Invoice Finance Frequently Asked Questions
What are the benefits of using invoice finance?
Improved cash flow, fewer payment delays, and more effective operational expense management are some of the advantages of using invoice financing. It also helps businesses take on new projects and growth opportunities without worrying about cash flow gaps. Additionally, invoice finance can be quicker and easier to obtain compared to traditional loans.
Who can benefit from invoice finance?
Invoice finance is ideal for businesses that deal with long payment terms or have cash flow issues due to delayed payments. It is particularly beneficial for small to medium-sized enterprises (SMEs), startups, and businesses in growth phases that need immediate cash to manage their operations effectively.
Can a small business use invoice finance?
Yes! Countless small businesses face the same issues when it comes to clients not paying their invoices on time, meanwhile expenses are rolling out of the door. It’s not that you’re not profitable, it’s just that your cash flow is drying up. Selective invoice financing is a great solution, read more on how selective invoice financing can help small businesses in our blog.
What is the difference between invoice discounting and invoice factoring?
Invoice discounting and invoice factoring are both forms of invoice finance, but they differ in how they operate. Invoice discounting allows businesses to borrow against the value of their unpaid invoices while retaining control of their sales ledger and customer relationships. In contrast, invoice factoring involves selling your invoices to a finance provider who then manages the sales ledger and collects payments directly from your customers.
How quickly can I get funds through invoice finance?
Once your application is approved and your invoices are verified, you can receive funds within 24 to 48 hours. This quick turnaround helps you manage cash flow more effectively and keep your business running smoothly.
Can invoice finance help improve my business credit score?
Yes, using invoice finance can help improve your business credit score by ensuring timely payments to your suppliers and creditors. By maintaining a healthy cash flow and meeting your financial obligations on time, you can build a stronger credit profile for your business.
What happens if my customer doesn’t pay the invoice?
If your customer doesn’t pay the invoice, the terms of your agreement with the invoice finance provider will determine the next steps. Some providers offer non-recourse invoice finance, where the risk of non-payment is assumed by the provider. At Funding Guru, we offer flexible solutions and will work with you to find the best approach for managing such situations.
Why should I choose Funding Guru for my invoice finance needs?
Funding Guru offers tailored invoice finance solutions, competitive rates, flexible terms and dedicated support with a trusted partnership. By choosing Funding Guru, you’re choosing a reliable partner committed to helping your business thrive.
Does Your Business Require a Secured Loan?
