FCA-registered UK lender

Two ways to fund
your next move.

Two specialist funding lines, one registered UK lender - cash from raised invoices, bridging secured on property.

Up to 90% advancedFunded in 24–48 hoursFCA reg. 782472
A 15-minute call, no obligation either way
Start an application →Check eligibility →
FUNDING DESKLive illustration
Invoice#INV-2048
Approved
90%advanced
Advanced to you£45,000Typical drawdown in 24–48 hrs after setup
Advanced 90%Balance 8%Fee ~2%
Invoice value£50,000
Balance on collection£4,000
£50,000
Drag to size your invoiceFee ≈ 2%
Balance released when your customer pays, less a ~2% fee.
02Bridging financeShort-term property-backed fundingUp to £1mCase assessed↗
Scroll to explore
Example: £50,000 invoiceUp to £45,000 potentially advanced, subject to approval.See how invoice finance works →
£30m+
Funded since 2019
100+
UK businesses funded
90%
Maximum invoice advance
48h
Invoice to cash
Two funding lines

Pick the line that fits the gap.

Cash tied up in invoices, or a property deal on a deadline. One registered UK lender for both.

01

Invoice finance

Release up to 90% of an eligible approved invoice, typically within 24–48 hours once a facility is set up. The balance, less fees, follows when your customer pays.

Advance, once set upUp to 90%within 24–48 hrs
Balance, less feesThe restwhen your customer pays
Explore invoice financeFactoring or discounting? Compare
02

Bridging finance

Short-term business loans secured on investment or commercial property, for purchases and deadlines that can’t wait for a mortgage.

Auction completion28 days
vs
A typical mortgage8–12+ wks
  • Auction purchaseComplete inside the 28-day deadline
  • Delayed sale proceedsBuy before an asset sale completes
  • RefurbishmentFund works a mortgage won’t touch yet
  • Development exitReplace expiring development finance
  • Below-market dealMove fast when the vendor needs speed
  • Business raiseShort-term capital against property
Explore bridging financeHow a bridge works
Invoice finance · How it works

From invoice to cash, in four steps.

Customers keep their usual terms. You draw up to 90% of each approved invoice now, and the rest, less a fee, when they pay.

  1. Step 01

    Quick set-up

    We review your business, customers and ledger, then agree the advance rate and pricing.

    Once - days, not months
  2. Step 02

    Invoice as normal

    Deliver the work and raise invoices exactly as you do today. They upload or sync in seconds.

    Often automatic
  3. Step 03

    Cash arrives

    Once you are set up, up to 90% of each approved invoice lands in your account.

    Typically 24–48 hours
  4. Step 04

    Customer pays

    The balance is released, minus a simple fee - and your headroom refreshes for the next invoice.

    Ready to go again
Worked example - a £50,000 invoice on 30-day terms

£49,000received in all

  1. Day 0 - raised£50,000You invoice a customer on 30-day terms.
  2. Day 1–2 - advanced (90%)£45,000Once the facility is live and the invoice is approved, funds typically reach your account within 24–48 hours.
  3. Day 30 - balance£4,000The held-back £5,000 less a ~2% fee, on collection.

Total cost ≈ £1,000 (about 2% of the invoice) for having £45,000 roughly 28 days early - you receive £49,000 in all. The fee is the price of having the cash now, not next month.

All figures illustrative only: a discount charge of around 2% of the invoice value. Actual advance rates and pricing vary by business, sector, customers and facility type.

Explore invoice finance →Open the invoice calculator →
Bridging finance · How it works

From deal to completion, built around the exit.

A short-term loan secured on UK property - typically 3 to 24 months - that completes in days or weeks rather than months, then is repaid in one payment when you sell or refinance. Business bridging only: Cashbook Finance does not offer regulated bridging loans secured on a home the borrower or a close family member lives in.

  • Daysnot monthsFast enough to meet an auction or chain deadline.
  • 3-24month termInterest can often be rolled up, so there may be nothing to pay monthly.
  • 1repaymentRepaid in one go on sale or refinance - the exit is agreed up front.
Typical security
  • Buy-to-let
  • Unoccupied residential investment
  • Commercial property
  • Land
Likely a good fit
  • A purchase, refinance or refurbishment deadline
  • Clear security that can be valued quickly
  • A repayment route you can explain before drawdown
Solve these first
  • A vague or speculative exit
  • No margin for valuation or cost movement
  • Title, planning or legal uncertainty
  1. 01Deal & exitThe property, the amount and how you'll repay.
  2. 02Terms agreedInitial fit review targeted within one working day.
  3. 03Valuation & legalsChecks confirm the security and title.
  4. 04Funds releasedThe loan completes and you use the money.
  5. 05Repaid on exitOne payment, on sale or refinance.
Explore bridging finance →Open the full LTV calculator →

Illustrative only. Valuation, property type, borrower, charge position, legal work, interest, fees and the exit all affect the amount and terms available.

Proof you can check

Judge us on the record, not the pitch.

Over £30m funded for more than 100 UK businesses since 2019. Every registration below opens the official record; cases and reviews are verified, with client names withheld by agreement.

Verified CashbookPublic details you can check.
FCA register782472Company number10723098 ActiveICO registrationZB545200
Funding clients since2019
Recruitment and staffing

Recruitment business funds weekly payroll while customers pay monthly

The facility was structured around verified timesheet-backed invoices, with specific concentration controls. The business gained a more predictable source of working capital for payroll and was able to consider new assignments with specific controls and a documented repayment route.

£150k–£250kTwo-customer concentrationTimesheet-backed invoices
Residential property investment

Bridging loan funds a refurbishment before sale

A first-charge bridging loan funded the purchase of a vacant residential property, with refurbishment money released under an agreed drawdown. When the valuation identified extra works, the facility was resized to keep the loan-to-value acceptable and the investor increased the contingency; the property was prepared for sale in line with the agreed exit.

£350k–£500kFirst-charge bridgingStaged refurbishment drawdown
Read all six case studies

What clients say

Recruitment and staffing
“The application process was clear and commercially focused. We understood what information was needed, why it was needed and which parts of our ledger could support funding.”
Director, Recruitment Company
Property investment
“The bridging costs, conditions and exit risks were explained before we committed. There were no unrealistic promises about completion or the future sale of the property.”
Property Investor
Manufacturing
“The team challenged our assumptions about timing and working-capital requirements. That made the final structure more realistic and helped us plan for delays rather than relying on the best-case scenario.”
Managing Director, Manufacturing Business
Latest from Insights

New guides, written for decisions.

All 40 guides →
Glossary · Bridging financeBridging Finance Glossary: Key TermsPlain-English definitions of bridging finance terms: LTV, gross and net loan, retained interest, open and closed bridges, charges and the exit.Compare · Invoice financeRecourse vs Non-Recourse Invoice FinanceRecourse and non-recourse invoice finance explained - who carries the bad-debt risk, what it costs, what the cover excludes and how to choose.Sector · Invoice financeConstruction Invoice Finance & CISHow invoice finance works for construction businesses - applications for payment, certified valuations, CIS deductions, retentions and what funders check.Guide · Bridging financeAuction Bridging Finance in 28 DaysHow bridging finance is used to buy property at auction - the completion deadline, what to arrange before bidding, valuation, legal pack and exit.
Start an application

Put the essentials in front of a decision-maker.

Start with the amount, route and commercial context. The application records the case once, then carries it into a director review.

1
Start the applicationTell us the product, amount and the core business or property facts.
2
Initial fit reviewWe target an initial fit response within one working day after enough headline information is available.
3
Terms, setup and drawdownIndicative terms, facility setup and drawdown are separate stages. Timing depends on evidence, due diligence, valuation and legal work.
020 3239 0699info@cashbookfinance.co.uk

Start your application

Enter the headline details once. They are carried into the full application.