Faster than a bank, clearer than a broker. Invoice finance releases up to 90% of what customers owe you; bridging funds property deals against a deadline. A director decides, and every cost is shown upfront.
Your case goes to a directorEndrit Beqaj & Bjorn LakuCash balance · 45 days
An invoice on 30-day terms
Balance on collection £4,000. Received in all £49,000. Advanced £45,000.
Deal console · business bridging
Loan-to-value check
Within a 70% illustrative LTV reference point.
Security risk: your property may be repossessed if you do not keep up repayments on a loan secured against it.
Two funding lines
Cash tied up in invoices, or a property deal on a deadline. One lender for both, with the costs explained before you commit.
Release up to 90% of an approved invoice. The balance, less fees, follows when your customer pays.
Short-term business loans secured on investment or commercial property, for deals that can’t wait for a mortgage.
Typical security Buy-to-let, unoccupied residential investment, commercial property or land.
How it works
Worked example
£50,000 invoice · 30-day terms
| Day | Description | Amount | To you |
|---|---|---|---|
| 0 | Invoice raised to your customer | £50,000 | £0 |
| 1–2 | Advance paid to you 90% | +£45,000 | £45,000 |
| 30 | Customer pays Cashbook | £50,000 | £45,000 |
| 30 | Balance released 8% | +£4,000 | £49,000 |
| 30 | Discount fee retained ~2% | −£1,000 | £49,000 |
Illustrative: a discount charge of about 2% of the invoice. Actual rates vary by business, sector, customers and facility.
Before the first invoice A one-off set-up, days not months: we review your business, customers and ledger, then agree the advance rate and pricing.
Deliver the work and invoice your customer on 30-day terms, exactly as you do today.
Up to 90% of the approved invoice lands in your account. Here, £45,000.
They pay Cashbook in full and the balance is released to you: £4,000.
A £1,000 fee for having £45,000 roughly 28 days early. Your headroom then refreshes for the next invoice.
The property, the amount and how you’ll repay.
Initial fit review targeted within one working day.
Checks confirm the security and title.
The loan completes and you use the money.
One payment on sale or refinance, typically within 3–24 months.
Auction purchase
Business bridging only. Cashbook Finance does not offer regulated bridging loans secured on a home the borrower or a close family member lives in. Your property may be repossessed if you do not keep up repayments on a loan secured against it.
The platform
Apply, upload, sign and track your facility in one secure portal. Directors make the decisions; the platform removes the paperwork.
Sign in with a passkey or a one-time code. Your application, documents and messages in one place.
Open the client portalSign in the portal. Both sides get a certificate with the document’s SHA-256 fingerprint.
Statements and ledgers go straight into your case through an encrypted vault, not email.
Ask about costs, eligibility or bridging. Answers quote our published pages.
Five read-only tools over MCP, JSON and OpenAPI 3.1, so assistants can check fit with our rules.
View the OpenAPI specAn initial fit response targeted within one working day, from the directors who decide.
Meet the directorsProof you can check
£150k–£250kfacility
A facility built on verified timesheet-backed invoices, with concentration controls, gave the business predictable payroll funding and room to take on new assignments.
£350k–£500kfacility
A first-charge bridge funded a vacant residential purchase, with refurbishment money released in stages. When valuation found extra works, the facility was resized to keep the LTV acceptable.
“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.”
“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.”
“The team challenged our assumptions about timing and working-capital requirements. That made the final structure more realistic and helped us plan for delays.”
Latest from Insights
Good to know
The questions we hear most, answered plainly.
Answers come from our published guides, with links to the sources.
Read all FAQsCommonly up to 90% can be advanced, with the remaining balance released after the customer pays, less the agreed fees.
Once a facility is live, advances typically reach the business within 24–48 hours of an approved invoice being uploaded.
Invoice discounting can be confidential because the business keeps control of collections. Factoring is usually disclosed because the funder manages credit control.
Around £50,000 or more is a common starting point, but smaller cases can still merit a review. The eligibility page lists the questions the checker asks.
Completion can often take days to a couple of weeks, depending on valuation, legal work and the strength of the proposed exit.
No. Cashbook Finance provides business bridging only, secured on business or investment property. It does not offer regulated bridging loans secured on a home the borrower or a close family member lives in. See regulated vs unregulated bridging loans.
No. Submitting an initial enquiry does not leave a footprint on a credit file. Any formal checks take place later, with the applicant's knowledge, if they choose to proceed.
No. An enquiry and any indicative terms are without obligation. A facility only proceeds after due diligence and formal agreement.
Start an application
Faster than a bank, clearer than a broker. Start with the amount, route and context. A director reviews the case.
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