Invoice finance · Factoring · Invoice discounting
Get paid today for outstanding invoices
Stop waiting 30, 60 or 90 days to get paid. Release up to 100% of your invoice value, often within 24 hours, with a facility compared across 100+ UK lenders.
- Up to 100% of your invoice value on confidential invoice discounting, typically 80% to 90% otherwise
- Factoring, confidential discounting, or single invoices
- 100+ UK lenders compared by an independent broker
- Checking costs nothing and leaves no mark on your credit file
5.0
From 33 Google reviews
100+
UK lenders compared
500+
SMEs funded
35+ years
Combined commercial finance experience
How it works
- Takes 60 seconds
Tell us what you invoice
One number to start: what your customers currently owe you in unpaid invoices.
- 100+ lenders compared
We match your ledger to lenders
We compare facilities across our panel against your sector, invoice values and payment terms.
- Often within 24 hours
You draw against your invoices
Once the facility is live, funds are released against new invoices, often within 24 hours.
Facilities we have arranged
Invoice finance is sized from your sales ledger, not from a loan application. The more you invoice, the more the facility releases, with no need to reapply as you grow.
There are no fixed monthly repayments. The advance clears automatically when your customer settles the invoice, and you receive the balance less the agreed fees.
Internal building works and maintenance
£300k
Confidential invoice discounting limit, plus a £210k cash flow loan
£3.5m turnover
SaaS platform
£500k
Selective invoice finance, approved across both UK and US entities
£4m turnover
Higher education provider
£3.5m
Supply chain finance for a provider paid just three times a year
£32m turnover
Why businesses use FundingLinks
Whole-of-market panel
100+ UK lenders, from high-street banks to specialist invoice financiers. We are independent, not tied to any single lender.
Specialist, founder-led support
You speak to Sam and Chris, not a call centre. Between them, 35+ years in commercial finance and invoice finance.
Free to compare, success-based fees
No upfront charge. Fees apply only if you proceed with a facility, and they are agreed in writing before you commit.
Is invoice finance right for you?
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You invoice other businesses on credit terms
B2B trading on 30, 60 or 90 day terms. B2C sales generally do not qualify.
-
Cash is tied up waiting to be paid
Common in recruitment, construction subcontracting, manufacturing, wholesale and logistics.
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You are a limited company, LLP or PLC
We broker for incorporated businesses. Sole traders and ordinary partnerships are not eligible.
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Your invoice values are typically over £5,000
Most facilities set a minimum invoice threshold. Selective and spot products are more flexible.
Common questions
What does it cost?
Two charges typically apply. A service fee, usually 0.1% to 3% of turnover, covers the lender costs. Confidential discounting sits at the lower end of that range and factoring, which includes credit control, at the higher end. A discount charge, usually 1.75% to 3.5% above Bank of England base rate, applies to funds you draw. Exact pricing depends on volume, customer credit quality and facility type.
Will my customers know?
With confidential invoice discounting, no. You keep credit control and collect payments as normal. With factoring, the lender collects on your behalf, so the facility is disclosed.
How quickly can it be set up?
Indicative decisions are usually possible within a few working days. Once a facility is live you can draw against new invoices within 24 hours. Some selective lenders can set up in as little as 24 hours.
How much of my invoice can I release?
Typically 80% to 90% of the invoice value, and up to 100% on some confidential invoice discounting facilities. The balance, less the agreed fees, follows once your customer pays.
Do I have to fund every invoice?
No. Selective invoice finance and spot factoring let you fund individual invoices. Whole-ledger facilities fund all qualifying invoices and can price better at higher volumes.
See what your invoices could release
Start with one number. It takes about a minute, costs nothing, and leaves no mark on your credit file.
Or talk it through on 0161 552 4972