Your invoices represent completed work and delivered value. Invoice finance converts those receivables into immediate cash so you can fund operations, take on new projects, and grow without waiting for clients to pay.
£25K-£10M (based on invoice volume) · Per Invoice (your customers' payment terms) · soft search only
Invoice finance is a fundamentally different model from traditional lending. Instead of borrowing against your credit or assets, you release the cash tied up in your outstanding invoices, typically receiving 80 to 95% of the invoice value within 24 hours. When your customer pays the invoice, you receive the remaining balance minus a small fee. There is no debt created, no monthly loan repayments, and no interest accruing on a balance.
This structure makes invoice finance uniquely powerful for B2B businesses that operate on 30-day, 60-day, or 90-day payment terms. You have already done the work, delivered the product, or completed the project, but your cash is locked up in your debtor book for weeks or months while your expenses (payroll, materials, overheads) continue daily. Invoice finance unlocks that cash immediately.
At Granton Hale Capital, we arrange invoice finance for businesses across industries including recruitment, haulage, manufacturing, consulting, and public sector contracting. Decisions are based primarily on the creditworthiness of your customers, not your personal credit score, which makes this an excellent option for newer businesses or owners with credit challenges. We offer spot factoring (finance individual invoices as needed), whole-turnover facilities (an ongoing facility for all or most invoices), and confidential invoice discounting for businesses that prefer to keep the arrangement invisible to customers.
Amount £25K-£10M (based on invoice volume) · Term Per Invoice (your customers' payment terms)
Submit an invoice, receive 80-95% of its value within 24 hours. Your customer's 60-day payment terms become same-day cash for your business. The finance provider waits for payment, you do not.
Invoice finance is a sale of receivables, not a loan. You are converting an asset (invoices) into cash. There are no monthly loan repayments, no interest charges, and no debt recorded on your books.
Because collections come from your customers, their creditworthiness matters more than yours. A young company with £500K in invoices from blue-chip clients can finance those invoices even with a thin credit history.
Unlike a fixed loan amount, your funding capacity grows as your business grows. More invoices means more available cash. A £100K-a-month business can finance £100K; when you grow to £500K a month, you can finance £500K.
You have £200K in outstanding invoices from creditworthy clients, but payroll is due Friday and those invoices will not be paid for 45 days. You have earned the money, you just do not have it yet. Invoice finance solves this immediately.
A new project requires £80K in upfront labour and materials costs, but your cash is tied up in receivables from the last project. Without invoice finance, you either turn down the work or take on expensive debt to fund it.
As B2B companies grow, they invoice more, but also wait longer for cash. A company doing £50K a month might have £50K in receivables. At £500K a month, they have £500K locked up. Revenue growth actually worsens cash flow without invoice finance.
When client payments are slow, your payments to suppliers and subcontractors become slow too. This damages relationships, eliminates early-payment discounts, and can result in being put on pro forma terms, further squeezing cash flow.
A recruitment agency places 50 workers a week with a major hospital group on 45-day terms. They finance £180K a week in invoices to cover weekly payroll of £160K, receiving funds every Monday for the previous week's invoices.
A haulage fleet with 15 trucks finances invoices from freight forwarders and brokers (typically 30-day terms) to cover £40K a week in fuel costs and driver settlements. Each load's invoice becomes cash within 24 hours of proof of delivery.
A cybersecurity firm with a £4M public sector contract finances monthly invoices of £330K against the contract. Payment terms run to 60 days, but the firm needs cash weekly for salaries, cloud infrastructure, and subcontractor payments.
A metal fabrication shop finances £250K in invoices from an automotive OEM customer (90-day terms) to purchase £180K in raw steel for the next production run, maintaining continuous output without cash-flow interruption.
A landscaping company finances invoices only during spring and summer when receivables stack up and crew payroll peaks. During winter, they do not factor at all, paying zero fees during the off-season.
It depends on the facility. With disclosed factoring (most common), your customers are notified to remit payment to the finance provider. This is standard practice in industries like recruitment and haulage. With confidential invoice discounting (available for some clients), payments continue to come to your business and your customers deal with you as normal. We will help you choose the arrangement that fits your customer relationships.
This depends on whether you have recourse or non-recourse finance. With recourse facilities (lower fees), you are responsible for repurchasing or replacing unpaid invoices after a defined period (usually 90 days). With non-recourse facilities (slightly higher fees), the finance provider absorbs the loss if a customer defaults due to insolvency. We offer both options.
Fees typically range from 1% to 3% of the invoice value per 30-day period. So a £100K invoice financed at 2% per 30 days with a 45-day payment cycle would cost approximately £3,000. The exact rate depends on your invoice volume, your customers' credit quality, and the average payment terms. Higher volumes and faster-paying customers get lower rates.
Yes. Spot factoring allows you to choose specific invoices to finance as needed, giving you complete flexibility. Some businesses finance all invoices from slow-paying clients while collecting directly from fast payers. Others only use the facility during cash-tight periods. Whole-turnover facilities (committing to a minimum volume) offer lower per-invoice rates if you have consistent needs.
Any B2B industry with creditworthy customers and payment terms of 30 days or longer. The most common industries we serve include recruitment and staffing, haulage and freight, manufacturing, energy services, public sector contracting, wholesale distribution, and professional services (consulting, IT, engineering). If your customers are other businesses, invoice finance likely works for you.
With factoring, the finance provider manages collections and your customers pay them directly, which suits businesses that prefer to hand off credit control. With invoice discounting, you retain control of collections and your customers deal with you as normal, usually confidentially. Discounting generally suits established companies with strong credit control processes; factoring is simpler and accessible to newer businesses. We offer both and can recommend the right fit.
30-second application. No hard search. Decisions in as little as 3 hours.