Invoice finance and bridging finance FAQs.

Factoring includes credit control and collections. Invoice discounting leaves collections with the business and is usually confidential.

Yes. Selective or single-invoice finance lets a business choose individual invoices instead of financing the whole sales ledger.

It is generally designed for UK businesses that sell to other businesses on credit terms. Review the eligibility criteria, including trading history, invoice quality and the customer base.

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.

Established trading history helps, although newer businesses may still be considered.

After the facility has been approved and set up, an eligible invoice is typically drawn within 24–48 hours of submission. Setup timing is separate and depends on verification, due diligence, documentation and the proposed structure.

With recourse, the business carries the risk if a customer fails to pay. Non-recourse cover transfers some of that credit risk for approved customers within agreed limits. See recourse vs non-recourse invoice finance.

Timesheet finance funds approved timesheets for recruitment and staffing businesses, helping meet weekly payroll before clients pay their invoices.

Trade finance funds supplier payments before goods are sold, while invoice finance funds invoices already raised. A business that must pay suppliers upfront for confirmed orders may need trade finance.

Invoice finance moves with sales and is settled as customers pay. A loan gives a fixed sum with set repayments, and an overdraft is a revolving limit set by the bank. The compare page sets them side by side.

Bridging finance is a short-term loan secured against property or land, designed for time-sensitive transactions with a clear repayment strategy.

Completion can often take days to a couple of weeks, depending on valuation, legal work and the strength of the proposed exit.

Common uses include auction purchases, time-sensitive investment acquisitions, refurbishment, development exits and releasing business capital against property.

The exit is how the bridging loan will be repaid, usually through a property sale or refinancing onto a longer-term facility. See our bridging exit strategy guide.

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.

The amount is shaped by the property value, loan-to-value and the strength of the exit. Our examples use a 70% loan-to-value reference, but each case is assessed on its merits. See the bridging finance LTV guide.

Buy-to-let, unoccupied residential investment property, commercial property or land, via a first or second charge. We do not lend against a home the borrower or a close family member lives in.

Interest may be serviced monthly, rolled up and repaid at the end, or retained from the advance at the start. The method changes the net amount received, so any illustration should show it clearly.

Usually an arrangement fee, valuation and legal costs, and sometimes broker or exit fees. A delayed exit can add further interest. See bridging finance costs explained.

Talk to us early. An extension or refinance may be possible, but extra interest or fees can apply. Planning around a three-month margin before the term ends is a sensible buffer.

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.

Information is used to assess and administer enquiries, carry out necessary identity and credit checks, prevent fraud and comply with legal obligations. More detail is available in our privacy notice.

For invoice finance: an aged debtor report, recent invoices, customer names and payment terms. For bridging: the property, the amount, the purpose and the proposed exit. Start an application when ready.

About 2–3 minutes, with no credit search. It gives an early indication of fit before any documents are shared. Try the eligibility checker.

Enquiries are reviewed by our team, with the directors involved in funding decisions. You speak with the people who assess your case.

Through the secure client portal once your email address is approved. Never send sensitive files to an unexpected address; if in doubt, call 020 3239 0699 to verify the request.

Yes. Brokers, accountants and other advisers can introduce clients through our intermediaries route.

Yes. Cashbook Finance Limited is registered with the Financial Conduct Authority under Firm Reference Number 782472 and with the ICO under ZB545200. Both can be checked on the official registers; see trust & standards.

Follow our complaints procedure. Complaints are acknowledged promptly and reviewed fairly, and any Financial Ombudsman Service route is explained in the final response.