Compare invoice-finance routes
See discounting, factoring, selective finance, timesheet finance and trade finance side by side.
Compare products →Resources
The Cashbook blog.
Clear, practical insight on cash flow, invoice finance and bridging— to help you compare options and make smarter funding decisions.
Latest funding guides and articles
Guide
The complete guide to invoice factoring (without the jargon)
How factoring works, what it costs, when it fits and how it compares with a business loan.
Compare
Factoring vs invoice discounting: which one fits your business?
Compare collections, confidentiality, control, eligibility and operational fit.
Discounting
Invoice discounting in the UK: confidential cash from your ledger
How confidential invoice discounting works and what a business must control well.
Factoring
Single invoice factoring: fund one invoice without a full-ledger facility
When selective funding is useful and when a full facility is the better answer.
Cash flow
How invoice finance fixes the gap between invoicing and payment
A practical view of using receivables funding for recurring working-capital timing.
Costs explained
Invoice finance costs explained
Understand service fees, discount charges, minimums and the all-in cost at realistic utilisation.
Cash flow
Late payment and UK SMEs: practical cash-flow options
How to reduce the damage from slow customers without mistaking earlier cash for stronger profit.
Working capital
Five working-capital advantages that keep a business moving
Why liquidity, resilience and purchasing capacity matter as much as headline profit.
Strategy
Using invoice finance from start-up to scale-up
How funding needs change as a B2B business wins customers, hires and grows turnover.
Funding
Funding facilities that can complement invoice finance
Match recurring working capital, assets, stock and property needs to the right structure.
Glossary
Invoice finance jargon, decoded
Plain-English definitions for advance rates, recourse, concentration, reserves and more.
Myths
Invoice factoring vs a business loan
What the product does, what it does not do and where common assumptions fail.
Recruitment
Invoice finance for recruitment agencies
Fund weekly payroll while end-clients settle monthly invoices.
Sector
Invoice finance for digital media agencies
Manage project costs, contractor payments and long client terms without forcing a term loan onto a timing gap.
Credit quality
What makes a debtor ledger attractive to a lender
Concentration, disputes, evidence and payment behaviour matter more than a single large invoice.
Underwriting
Why invoice finance applications are declined
The practical weaknesses that prevent a ledger from supporting a reliable facility.
Checklist
Prepare for invoice finance: documents, controls and questions
A maintained preparation pack for a more efficient review and a clearer cost comparison.
Bridging
What slows down bridging completion
Valuation, title, legal response, exit evidence and borrower readiness determine speed.
Bridging
Bridging finance costs explained
Understand interest, arrangement, valuation, legal and exit costs before committing.
Compare
Bridging finance vs development finance
Match the facility to the works, monitoring requirements, duration and repayment route.
Compare
Bridging finance vs a commercial mortgage
Choose between short-term speed and longer-term property debt based on the actual transaction.
Bridging
Bridging finance LTV: how the numbers fit together
Separate value, gross facility, deductions, net proceeds and headroom.
Bridging
A bridge is only as strong as its exit
Build an evidenced sale or refinance route with enough time and a credible fallback.
Bridging
The valuation is not a formality
Prepare the property, documents and evidence that anchor the security decision.
Prefer to talk it through?A director will happily walk you through the right option for your business.
Start an application →Practical tools
Move from reading to a decision.
Find a likely funding fit
Use five short questions to narrow the most relevant route.
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pricing
Review the factors that influence structure and indicative terms.
Pricing and decisions →Explore funding scenarios
See illustrative examples of payroll, stock, project and property timing gaps.
View funding scenarios →Decision content
Compare the route before applying.
Comparison
Invoice Finance vs Overdraft
Compare invoice finance and overdrafts for UK businesses dealing with late customer payments and working-capital pressure.
Compare →ComparisonInvoice Finance vs Business Loan
Compare invoice finance and business loans for UK companies funding cash-flow gaps, growth, payroll or supplier pressure.
Compare →ComparisonInvoice Factoring vs Invoice Discounting
Compare invoice factoring and invoice discounting, including collections, confidentiality, control and suitability.
Compare →ComparisonSelective Invoice Finance vs Full-Ledger Facility
Compare selective invoice finance with full-ledger invoice finance for one-off invoices, repeat funding and working-capital planning.
Compare →ComparisonTrade Finance vs Invoice Finance
Compare trade finance and invoice finance for supplier payments, stock purchases and customer invoices.
Compare →ComparisonBridging Finance vs Development Finance
Compare bridging finance and development finance for property purchases, refurbishment, timing gaps and construction projects.
Compare →Why Invoice Finance Applications Are DeclinedPractical reasons invoice finance applications fail, from weak debtors to disputed invoices and poor delivery evidence.ReadWhat Slows Down Bridging CompletionCommon causes of bridging finance delay, including valuation, title, exit route, solicitor response and LTV pressure.ReadWhat Makes a Debtor Ledger AttractiveWhat lenders look for in a debtor ledger for invoice finance, including concentration, evidence, payment history and disputes.Read
Topic clusters
Move from question to decision without searching the whole library.
Each cluster starts with a canonical guide and then narrows into cost, comparison and evidence questions.