# About Cashbook Finance Source: https://www.cashbookfinance.co.uk/about Last updated: 2026-10-26 Publisher: Cashbook Finance Limited > Cashbook Finance is a UK B2B lender providing invoice finance and property-backed bridging finance, with director-led decisions from Hay’s Galleria, London. FCA-registered UK lender FRN 782472 ## Direct, practical funding from people who decide. Cashbook Finance is a [registered](https://register.fca.org.uk/s/firm?id=001b000003rrKGzAAM) UK B2B lender providing invoice finance and short-term property-backed bridging finance. We structure facilities around the asset, the evidence and a credible route to repayment - not a generic product script. **Director-led** Direct access to decision-makers · Core funding lines **2** · [Verify Cashbook Finance](https://www.cashbookfinance.co.uk/trust-standards) INV-2048 · Arden Health Group Illustration Cash received · this invoice A £50,000 invoice on 30-day terms - **Invoice value** £50,000 - **Paid to you, day 1–2** £45,000 - **When your customer pays** £4,000 Invoice value · £50,000 Advance rate 70% 80% 90% Customer terms 30 60 90 Adjust the invoice, advance rate and customer terms to see the mechanics of an illustrative facility. Illustrative only: a discount charge of around 2% of the invoice value. Actual rates and advance percentages vary by business, sector and customers. Here the fee is about **£1,000**. Check eligibility £30m+ - **Funded since 2019** £10k – £1m - **Facility size** 100+ - **UK businesses since 2019** 782472 - **FCA registered** - FCA **782472** - ICO **ZB545200** - Companies House **10723098** How we support businesses ### Reliable cash flow, from money already earned. We believe reliable cash flow is essential to every business, so we built a simpler way to unlock the money you've already earned. #### Funding built around your business Even profitable companies can feel the squeeze when customers take longer to pay, costs arrive before income, or growth creates fresh demand for stock, staff and equipment. We reduce that pressure by unlocking the value held in unpaid invoices - giving you faster access to money you have already earned. Some businesses need short-term support to bridge a working-capital gap; others need ongoing funding for expansion, larger orders or seasonal demand. We take time to understand each client's position, challenges and goals before recommending a solution - never one-size-fits-all. #### A client-focused approach Our approach is built on long-term relationships, transparency and trust. Finance should be straightforward, practical and easy to understand - which means clear communication, honest guidance and real support throughout. We take pride in understanding the specific pressures our clients face and delivering finance that helps them operate with greater confidence. From the first conversation to ongoing support, our focus is on making invoice finance and bridging simple, accessible and genuinely useful. #### Helping businesses move forward In a competitive market, access to dependable cash flow can be the difference between standing still and taking the next opportunity. We help businesses release cash from unpaid invoices, soften the impact of late payments, and create the flexibility needed to grow. We are committed to a professional service built on integrity, responsiveness and attention to detail - not just providing funding, but helping you manage cash flow and make stronger financial decisions. Check eligibility · About 2–3 minutes, no credit search. What we offer ### A focused suite of funding solutions. **£10,000 – £1 million.** Facilities generally range from £10,000 to £1 million and are tailored to each client's circumstances - never a one-size-fits-all product. Most are in place in as little as 48 hours. Talk it through · A director, about 15 minutes. Whole ledger #### Invoice finance Turn the whole ledger into a revolving funding line that grows with your sales. Explore invoice finance Confidential #### Invoice discounting The same funding, usually confidential - your customers see no change. Explore invoice discounting Collections included #### Factoring Funding plus a sales-ledger service - we run credit control and collections. Explore factoring Weekly payroll #### Timesheet finance Built for recruitment and payroll- heavy firms: wages weekly, client cash monthly. Explore timesheet finance Your choice #### Selective / single invoice Fund only the invoices you choose - no whole-ledger commitment. Explore selective funding Optional cover #### Bad-debt protection Optional cover if a customer becomes insolvent, for an extra fee. Learn about protection Sectors served - [Recruitment & staffing](https://www.cashbookfinance.co.uk/sector-recruitment) - [Wholesale & distribution](https://www.cashbookfinance.co.uk/sector-wholesale) - [Professional services](https://www.cashbookfinance.co.uk/sector-professional-services) - [Facilities management](https://www.cashbookfinance.co.uk/sector-facilities-management) - [Print & packaging](https://www.cashbookfinance.co.uk/sector-print-packaging) - [Healthcare](https://www.cashbookfinance.co.uk/sector-healthcare) - [Construction](https://www.cashbookfinance.co.uk/sector-construction) - [Manufacturing](https://www.cashbookfinance.co.uk/sector-manufacturing) - [Import & export](https://www.cashbookfinance.co.uk/sector-import-export) - [Logistics & transport](https://www.cashbookfinance.co.uk/sector-logistics-transport) - [Engineering](https://www.cashbookfinance.co.uk/sector-engineering) - [Security & cleaning](https://www.cashbookfinance.co.uk/sector-security-cleaning) - [Food & beverage](https://www.cashbookfinance.co.uk/sector-food-beverage) - [Technology & media](https://www.cashbookfinance.co.uk/sector-technology-media) - [Agriculture](https://www.cashbookfinance.co.uk/sector-agriculture) Start an application · Or [talk it through](https://www.cashbookfinance.co.uk/book-call) first. How we work ### A clear route from first conversation to a workable facility. The process is not about forcing every enquiry into a product. It establishes the commercial need, tests whether the proposed structure fits and explains the next decision clearly. #### Initial fit We clarify the timing gap, facility objective, amount required and the route by which the funding will be repaid. #### Information review Relevant invoices, debtor quality, trading history, contracts, management information or property details are reviewed. #### Structure and terms Where there is a credible fit, the proposed facility, indicative pricing, conditions and responsibilities are explained. #### Onboarding and funding Subject to approval, documentation and any required checks, the facility is put in place and the ongoing process is agreed. #### Explore before making an enquiry Use the public tools to understand likely fit, see illustrative structures and review the factors behind pricing and decisions. Check eligibility · View Trust & standards · Case studies · Pricing & decisions #### What we normally assess - The underlying commercial transaction and funding purpose - Invoice, customer, contract or property quality - Trading history, concentration and existing finance - A credible repayment or exit route - Whether the facility remains suitable under realistic pressure At a glance ### Cashbook Finance, in brief. Talk it through · A director, about 15 minutes. - **Legal name** Cashbook Finance Limited - **Company incorporated** 2017 - **Funding clients since** 2019 - **Headquarters** Hay's Galleria, London SE1 - **Specialisms** Invoice finance, trade finance and property-backed bridging finance - **Products** Invoice finance · Invoice discounting · Factoring · Selective invoice finance · Timesheet finance · Trade finance · Bridging finance · Bad-debt protection - **Funding facilities** Typically £10,000 – £1 million - **Speed** Eligible invoice drawdown after setup may be available in 24–48 hours - **Typical eligibility** £50,000+ annual turnover · 6+ months trading · UK-registered, invoicing other businesses on credit terms - **Sectors served** Healthcare, recruitment & staffing, wholesale & distribution, manufacturing, import & export, construction, logistics & transport, engineering, professional services, facilities management, security & cleaning, food & beverage, print & packaging, technology & media, and agriculture - **Regulatory** [Cashbook Finance Limited is registered with the Financial Conduct Authority under Firm Reference Number 782472.](https://register.fca.org.uk/s/firm?id=001b000003rrKGzAAM) - **Company number** 10723098 - **Full reference** [Company facts: registrations, products, offices and brand assets, each linked to its source](https://www.cashbookfinance.co.uk/company-facts) - **Leadership** - [Endrit Beqaj, Director & CEO](https://www.cashbookfinance.co.uk/endrit-beqaj) - [Bjorn Laku, Director & CMO](https://www.cashbookfinance.co.uk/bjorn-laku) - **Contact** - [info@cashbookfinance.co.uk](mailto:info@cashbookfinance.co.uk) - [020 3239 0699](tel:+442032390699) Check eligibility · About 2–3 minutes, no credit search. Independent public records Verify Cashbook before sharing documents or acting on instructions. - Companies House **10723098** Active · incorporated 2017 - FCA register **782472** Open official record - ICO register **ZB545200** Open official record How to check a request is from us - Emails come only from the **cashbookfinance.co.uk** domain. - Call [020 3239 0699](tel:+442032390699) to confirm any instruction before acting on it. - Share sensitive documents only through the [secure client portal](/portal). - We will never ask you to bypass secure upload routes. Committed to supporting the growth of British business - one invoice at a time. Check eligibility · About 2–3 minutes, no credit search. What we stand for ### A funder that's refreshingly direct. #### Integrity Honest guidance and clear terms. If a product isn't right for you, we'll say so. #### Responsiveness Indicative terms quickly and decisions in days - you deal directly with a director. #### Flexibility Facilities shaped around your sector, your customers and the way you actually trade. #### Partnership Long-term relationships built on transparency and trust, not a hard sell. Talk it through · A director, about 15 minutes. Our commitments ### Finance done responsibly. We're a [registered](https://register.fca.org.uk/s/firm?id=001b000003rrKGzAAM) UK lender, and we work the way we'd want a funder to work with us: clearly, honestly and with your interests in mind. #### Registered and accountable Cashbook Finance Limited is registered with the Financial Conduct Authority under Firm Reference Number 782472 and incorporated in England & Wales (company no. 10723098), funding UK businesses since 2019. #### Transparent pricing Two simple components - a service fee and a discount charge - agreed in plain terms before you sign. Fees and charges are set out in the written indicative terms and final facility documents. #### Responsible, suitable lending We only proceed when a facility genuinely fits your business. If invoice finance isn't the right answer, we'll say so - and point you in a better direction. #### Your data, protected Your information is handled securely and in line with UK data-protection law. See our [privacy policy](https://www.cashbookfinance.co.uk/privacy) for the detail. **ICO** Registered with the ICO **Reg. ZB545200** Talk it through · A director, about 15 minutes. Leadership ### Led by people you'll actually speak to. #### Endrit Beqaj Director & CEO An experienced executive director with a banking and credit-risk background, leading the firm's lending decisions. View full profile #### Bjorn Laku Director & CMO A business development executive with a Big Four consulting background, leading brand, marketing and growth. View full profile Talk it through · A director, about 15 minutes. Verified client reviews ### Genuine client feedback, published with names withheld. 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 Wholesale and distribution “Communication was direct throughout the transaction. The team examined the supplier, customer order, margin and delivery timetable rather than looking at the purchase order in isolation.” Commercial Director, Distribution Business 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 Read the detailed case studies · Check eligibility Talk it through · A director, about 15 minutes. Governance in practice ### What the business should be accountable for. Clear ownership matters more than generic claims about being personal or flexible. Public information #### Accurate public information Product, timing, fee and regulatory wording is centrally controlled and checked during every build. Decisions #### Evidence-led decisions Facility structure follows the ledger, property, transaction, legal position and repayment route. Escalation #### Documented escalation Complaints, accessibility issues, security concerns and unsuitable cases have defined routes rather than informal workarounds. Get in touch ### Want to understand your options? Speak with our team or arrange a free, no-obligation consultation. [info@cashbookfinance.co.uk](mailto:info@cashbookfinance.co.uk) or [020 3239 0699](tel:+442032390699) Talk it through · Intermediaries --- Cashbook Finance. Cashbook Finance Limited is registered with the Financial Conduct Authority under Firm Reference Number 782472. Company number 10723098. Registered office: Cumberland House, 24–28 Baxter Avenue, Southend-on-Sea, Essex SS2 6HZ. Registered with the Information Commissioner’s Office under reference ZB545200. All finance is subject to eligibility, satisfactory due diligence, credit approval and agreed terms. Invoice finance, trade finance and bridging finance may not be suitable for every business. The availability, structure, amount, pricing, fees, security requirements and completion timescales of any facility will depend on the applicant’s circumstances, the quality of the supporting evidence provided and our assessment of the proposed transaction. Any figures, examples, rates or timescales shown on this website are for illustrative purposes only and do not constitute an offer, commitment or guarantee of finance. Terms and conditions apply. Bridging finance is secured against property. Your property may be repossessed if you do not maintain repayments on a loan secured against it. Applicants should obtain independent legal, financial and tax advice where appropriate.