Invoice Finance
Release the cash that’s tied up in one of your biggest assets: your invoices.
Invoice Finance Facts
Unlock your cashflow potential in less than 24 hours
Waiting to be paid is hard on any business. Invoice Finance lets you use your sales ledger as an asset which you can borrow against. It’s a simple way to release the cash that’s tied up in unpaid invoices. Instead of waiting weeks or even months to be paid, the cash can be in your account within 24 hours.
- Perfect for any businesses selling to other businesses on credit
- Up to 95% of your unpaid invoice value
- Up to £10m funding
- Facility set up within one week. Funds are then paid within 24 hours of receiving invoices
- Revolving working capital facility that grows with your sales
- Tailored facility: choose to add confidentiality, collection services and bad debt protection

Let’s get things moving
If you would like to talk to us about any funding needs, call us on 0800 121 7757, register as an Introducer or request a quote for your business today
What is Invoice Finance?
Invoice Finance is a simple funding solution based on one of your assets: your sales ledger. When your business issues an invoice to a client we advance you up to 95% of its value. You then receive the remaining balance minus our fee when your client pays. This means you can still offer credit terms to your clients and they still get the usual time to repay your invoices, but you get to access the cash value straight away – we deposit the funds into your account within 24 hours of receiving the invoice.

It eases the day-to-day pressures of cashflow and boosts your working capital. Instead of waiting weeks or months to be paid, you can unlock the value of your invoices within 24 hours of raising them.
As you use your ledger as an asset to secure the funding, you won’t need to put any unsecured or personal loans into your business to keep it moving.
Our full support service means we can also chase your debtors for you, enabling you and your team to spend more time on keeping your business moving.
Who is Invoice Finance For?
The short answer is any UK business that sells to other businesses on credit, whether they’re a limited company, a sole trader or a partnership. Waiting to be paid is a universal pain point for most businesses – regardless of their sector. But with an Invoice Finance facility, you don’t need to wait for the invoice to be paid to use the cash you’re owed.
Our clients span across many industries:
- Manufacturing
- Construction
- Agriculture
- Transport
- Retail
- Telecommunication
- Technology
- Engineering
- Health
- Food
- And many more
How to use Invoice Finance?
Businesses who sell to other businesses on credit terms looking to strengthen their cashflow or increase their working capital could use Ultimate Finance’s Invoice Finance solution to unlock up to 95% of the value of unpaid invoices, enabling them to access the cash immediately.

When you apply for an Invoice Finance facility with us, we’ll agree a funding limit based on several factors: your current turnover, the credit terms you offer your clients but also your business requirements. As we’re here to help you meet your ambitions, we ’ll allow for some buffer to help you grow, and we’ll regularly review your facility so that it keeps moving with your business.
We’ll also agree a prepayment percentage – up to 95% of the invoice value – which we’ll pay into your account as your invoices are raised. When your customers repay, you get the remaining balance minus our fee.
Frequently Asked Questions
“Their offer was far better than that of any other potential lenders we had previously spoken to and we are more than happy with everything so far. Excellent service, super-friendly staff with a personal touch, reasonable fees and the world’s easiest portal to keep track of everything on.”
Why choose Ultimate Finance?
At Ultimate Finance we have over 20 years’ experience in providing businesses with the right funding solutions to help keep their business moving.
Since 2002, we have become the funding partner of choice of thousands of businesses of all sizes and across all industries. Our Invoice Finance solutions all come with:
- Dedicated support from specialist Relationship Manager
- 24/7 account management via online portal
- Award-winning service rated 4.9/5 on Trustpilot
Invoice Finance calculator
How much money could your business release from outstanding invoices?
What is your average yearly turnover, including VAT?
You could access up to
£0
with an Invoice Finance facility.
Based on a 45 days repayment term and 95% advance rate.
Calculated figures are for illustrative purposes only and are not an offer of finance.
Get in touch
Fill in our quick form or call our team on 0800 121 7757 to get funded
Factoring vs discounting
We offer both factoring and invoice discounting.
You get up to 95% of the value of your invoices within the same time frame.

Debtor Protection
Debtor Protection is an additional service provided by Ultimate Finance which works alongside an existing Invoice Finance facility and can help protect a business from bad debts either as a result of a customer’s insolvency or protracted non-payment.
The main reason our clients choose to add this is for peace of mind when offering their customers credit terms. Debtor Protection can help prevent damages to cashflow and profitability.
At times of economic uncertainty and rising insolvencies, it makes good sense to protect what is often the largest asset on a business’ balance sheet – trade debtors.

Case study:
This business specialises in print finishing and provides its services to clients based in the UK, USA and the EU. Having relied upon a high street bank for its Invoice Finance needs so far, its future was suddenly jeopardised when the bank pulled out of the market, leaving the business without a facility, and thus considerably restricting its access to cashflow and the ability to pay wages.

Solutions that work for businesses and introducers
It’s why more and more businesses are choosing us as their funding partner of choice
Related News
Our recent blogs about Invoice Finance
FEATURED ARTICLE
Chris Mitcham, Regional Director, joins the team at Finance Focus for an exclusive podcast episode about Invoice Finance.
Hosts Tracy Smart and Sam Jones catch up with Chris who shares his 25 years’ experience in helping businesses unlock funds tied up in unpaid invoices.
The episode discusses how Invoice Finance works, its benefits over traditional funding options such as bank loans and overdrafts, and how businesses can leverage it on their growth journey.

Let’s get things moving
If you would like to talk to us about any funding needs, call us on 0800 121 7757, register as an Introducer or request a quote for your business today