Invoice finance
How quickly can I get business funding?
By Chris Findlow · 21 July 2026
It varies by product and lender. An invoice finance facility can often be set up within days, and once it is live, funders commonly advance against a new invoice within about 24 hours. A straightforward loan can move quickly too. The main variable is how fast the paperwork and due diligence are completed.
Faster than most people expect, though the honest answer is that it depends on the product and how ready your paperwork is.
A rough guide from the facilities we arrange:
- Invoice finance can often be set up within a matter of days once the lender has what they need. After that, drawing cash is quick: funders commonly advance against a new invoice within around 24 hours of you raising it.
- Business loans vary. A straightforward case with clean, up-to-date financials can move quickly; a more complex one takes longer while the lender does its due diligence.
The biggest thing in your control is readiness. Having recent management accounts, up-to-date filings and a clear picture of what you need and why will always speed things up. The biggest thing in ours is going to the right lender first, so time is not lost on an application that was never going to fit.
If speed is the priority, tell us at the outset. We can point you towards the lenders and products that move fastest for a situation like yours, rather than starting with the one that happens to be best known.
Written by
Chris Findlow
Director, FundingLinks
Director at FundingLinks with over 15 years across commercial lending, invoice finance and fintech partnerships, including senior leadership roles at Kriya. He works directly with SMEs to match them to the right lender across the whole market.
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