# Invoice Finance & Bridging Finance UK Source: https://www.cashbookfinance.co.uk/ Last updated: 2026-10-14 Publisher: Cashbook Finance Limited > Invoice finance and bridging finance for UK businesses. Release up to 90% of approved unpaid invoices or fund time-sensitive property transactions. ## Two ways to fund your next move. Two specialist funding lines, one [registered](https://register.fca.org.uk/s/firm?id=001b000003rrKGzAAM) UK lender - cash from raised invoices, bridging secured on property. Up to 90% advanced · Funded in 24–48 hours · [FCA reg. 782472](https://register.fca.org.uk/s/firm?id=001b000003rrKGzAAM) A 15-minute call, no obligation either way FUNDING DESK **Live illustration** Invoice **#INV-2048** Approved **90%** advanced Advanced to you · £45,000 · Typical drawdown in 24–48 hrs after setup Advanced 90% · Balance 8% · Fee ~2% Invoice value · £50,000 Balance on collection · £4,000 Balance released when your customer pays, less a ~2% fee. [02 **Bridging finance** Short-term property-backed funding **Up to £1m** Case assessed](https://www.cashbookfinance.co.uk/bridging-finance) [**Example: £50,000 invoice** Up to £45,000 potentially advanced, subject to approval. See how invoice finance works](https://www.cashbookfinance.co.uk/invoice-finance) £30m+ Funded since 2019 100+ UK businesses funded 90% Maximum invoice advance 48h Invoice to cash ### 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. #### 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 up **Up to 90%** within 24–48 hrs Balance, less fees **The rest** when your customer pays - [**Invoice finance** A revolving line that grows with your sales](https://www.cashbookfinance.co.uk/invoice-finance) - [**Invoice discounting** Usually confidential - customers see no change](https://www.cashbookfinance.co.uk/invoice-discounting) - [**Factoring** Funding plus credit control and collections](https://www.cashbookfinance.co.uk/invoice-factoring) - [**Selective / single invoice** Choose which invoices to fund, and when](https://www.cashbookfinance.co.uk/selective-invoice-finance) - [**Timesheet finance** Weekly payroll against monthly client payments](https://www.cashbookfinance.co.uk/timesheet-finance) - [**Trade finance** Pay suppliers against a confirmed order](https://www.cashbookfinance.co.uk/trade-finance) - [**Bad-debt protection** Optional cover if a customer becomes insolvent](https://www.cashbookfinance.co.uk/bad-debt-protection) [Factoring or discounting? Compare](https://www.cashbookfinance.co.uk/blog/factoring-vs-invoice-discounting) #### Bridging finance Short-term business loans secured on investment or commercial property, for purchases and deadlines that can’t wait for a mortgage. Auction completion **28 days** vs A typical mortgage **8–12+ wks** - **Auction purchase** Complete inside the 28-day deadline - **Delayed sale proceeds** Buy before an asset sale completes - **Refurbishment** Fund works a mortgage won’t touch yet - **Development exit** Replace expiring development finance - **Below-market deal** Move fast when the vendor needs speed - **Business raise** Short-term capital against property [How a bridge works](https://www.cashbookfinance.co.uk/bridging-loan) **Still weighing it up?** Compare invoice finance, selective invoice finance, a business loan and an overdraft side by side: security, repayment and who chases your customers. ### 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. Step 01 #### Quick set-up We review your business, customers and ledger, then agree the advance rate and pricing. Once - days, not months Step 02 #### Invoice as normal Deliver the work and raise invoices exactly as you do today. They upload or sync in seconds. Often automatic Step 03 #### Cash arrives Once you are set up, up to 90% of each approved invoice lands in your account. Typically 24–48 hours 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 **£49,000** received in all £45,000 · 90% · 8% - Day 0 - raised **£50,000** You invoice a customer on 30-day terms. - Day 1–2 - advanced (90%) **£45,000** Once the facility is live and the invoice is approved, funds typically reach your account within 24–48 hours. - Day 30 - balance **£4,000** The 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. ### 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. - **Days** not months · Fast enough to meet an auction or chain deadline. - **3-24** month term · Interest can often be rolled up, so there may be nothing to pay monthly. - **1** repayment · Repaid 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 Deal desk · Live illustration **65%** LTV - **Equity remaining** £175,000 - **Headroom to 70% LTV** £25,000 Property value £500,000 · Gross loan £325,000 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. - 01 **Deal & exit** The property, the amount and how you'll repay. - 02 **Terms agreed** Initial fit review targeted within one working day. - 03 **Valuation & legals** Checks confirm the security and title. - 04 **Funds released** The loan completes and you use the money. - 05 **Repaid on exit** One payment, on sale or refinance. Illustrative only. Valuation, property type, borrower, charge position, legal work, interest, fees and the exit all affect the amount and terms available. ### 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 Cashbook **Public details you can check.** - [FCA register **782472**](https://register.fca.org.uk/s/firm?id=001b000003rrKGzAAM) - [Company number **10723098 Active**](https://find-and-update.company-information.service.gov.uk/company/10723098) - [ICO registration **ZB545200**](https://ico.org.uk/ESDWebPages/Entry/ZB545200) Funding clients since **2019** 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–£250k · Two-customer concentration · Timesheet-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–£500k · First-charge bridging · Staged refurbishment drawdown #### 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 ### New guides, written for decisions. [All 40 guides](https://www.cashbookfinance.co.uk/blog) - [Glossary · Bridging finance · Bridging Finance Glossary: Key Terms · Plain-English definitions of bridging finance terms: LTV, gross and net loan, retained interest, open and closed bridges, charges and the exit.](https://www.cashbookfinance.co.uk/blog/bridging-finance-glossary) - [Compare · Invoice finance · Recourse vs Non-Recourse Invoice Finance · Recourse and non-recourse invoice finance explained - who carries the bad-debt risk, what it costs, what the cover excludes and how to choose.](https://www.cashbookfinance.co.uk/blog/recourse-vs-non-recourse-invoice-finance) - [Sector · Invoice finance · Construction Invoice Finance & CIS · How invoice finance works for construction businesses - applications for payment, certified valuations, CIS deductions, retentions and what funders check.](https://www.cashbookfinance.co.uk/blog/construction-invoice-finance-cis-retentions) - [Guide · Bridging finance · Auction Bridging Finance in 28 Days · How bridging finance is used to buy property at auction - the completion deadline, what to arrange before bidding, valuation, legal pack and exit.](https://www.cashbookfinance.co.uk/blog/auction-bridging-finance) ### 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. - **Start the application** Tell us the product, amount and the core business or property facts. - **Initial fit review** We target an initial fit response within one working day after enough headline information is available. - **Terms, setup and drawdown** Indicative terms, facility setup and drawdown are separate stages. Timing depends on evidence, due diligence, valuation and legal work. 020 3239 0699 info@cashbookfinance.co.uk --- 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.