Compare invoice-finance routes
See discounting, factoring, selective finance, timesheet finance and trade finance side by side.
Compare products →Cashbook BriefingFCA-registered UK lender FRN 782472 (opens the FCA register in a new tab)
Commercial finance, explained for decisions.
Evidence-led guides on working capital, receivables, property-backed lending and trade - written to help you understand the decision, not sell you a headline rate.
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
On a £50,000 invoice on 30-day terms: £45,000 advanced at 90%, £4,000 when your customer pays, a fee of about £1,000.
Illustrative: a 90% advance and a discount charge of about 2% of the invoice. Rates and advances vary by business, sector and customers.
Check eligibilityGuide assistant
Ask the guides a question.
Answers come only from Cashbook Finance’s published guides, with links to the pages used.
General information - not advice, a quote or a credit decision.
Please don’t share personal or financial details here. For your own case, check eligibility or talk it through with the team.
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.
Bjorn LakuRead the guide
Compare
Factoring vs invoice discounting: which one fits your business?
Compare collections, confidentiality, control, eligibility and operational fit.
Bjorn LakuRead the guide
Discounting
Invoice discounting in the UK: confidential cash from your ledger
How confidential invoice discounting works and what a business must control well.
Bjorn LakuRead the guide
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.
Bjorn LakuRead the guide
Cash flow
How invoice finance fixes the gap between invoicing and payment
A practical view of using receivables funding for recurring working-capital timing.
Bjorn LakuRead the guide
Costs explained
Invoice finance costs explained
Understand service fees, discount charges, minimums and the all-in cost at realistic utilisation.
Bjorn LakuRead the guide
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.
Bjorn LakuRead the guide
Working capital
Five working-capital advantages that keep a business moving
Why liquidity, resilience and purchasing capacity matter as much as headline profit.
Bjorn LakuRead the guide
Strategy
Using invoice finance from start-up to scale-up
How funding needs change as a B2B business wins customers, hires and grows turnover.
Bjorn LakuRead the guide
Funding
Funding facilities that can complement invoice finance
Match recurring working capital, assets, stock and property needs to the right structure.
Bjorn LakuRead the guide
Glossary
Invoice finance jargon, decoded
Plain-English definitions for advance rates, recourse, concentration, reserves and more.
Bjorn LakuRead the guide
Myths
Invoice factoring vs a business loan
What the product does, what it does not do and where common assumptions fail.
Bjorn LakuRead the guide
Recruitment
Invoice finance for recruitment agencies
Fund weekly payroll while end-clients settle monthly invoices.
Bjorn LakuRead the guide
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.
Bjorn LakuRead the guide
Credit quality
What makes a debtor ledger attractive to a lender
Concentration, disputes, evidence and payment behaviour matter more than a single large invoice.
Bjorn LakuRead the guide
Underwriting
Why invoice finance applications are declined
The practical weaknesses that prevent a ledger from supporting a reliable facility.
Bjorn LakuRead the guide
Checklist
Prepare for invoice finance: documents, controls and questions
A maintained preparation pack for a more efficient review and a clearer cost comparison.
Bjorn LakuRead the guide
Compare
Recourse vs non-recourse invoice finance
Who carries a customer’s bad debt, what cover excludes and how to choose.
Bjorn LakuRead the guide
Sector
Invoice finance for construction: CIS, retentions and applications for payment
Applications, certification, CIS and retentions: what funders lend against.
Bjorn LakuRead the guide
Guide
CHOCs explained: client handles own collections
A disclosed facility where your own team keeps chasing payment.
Bjorn LakuRead the guide
Compare
Supply chain finance vs invoice finance
Buyer-led early payment against supplier-led funding you control.
Bjorn LakuRead the guide
Guide
Export invoice finance: funding invoices to overseas customers
Overseas customers, credit insurance, currency and shipping evidence.
Bjorn LakuRead the guide
Compare
Asset-based lending vs invoice finance
When one multi-asset facility helps, and when invoice finance is enough.
Bjorn LakuRead the guide
Bridging
What slows down bridging completion
Valuation, title, legal response, exit evidence and borrower readiness determine speed.
Bjorn LakuRead the guide
Bridging
Bridging finance costs explained
Understand interest, arrangement, valuation, legal and exit costs before committing.
Bjorn LakuRead the guide
Compare
Bridging finance vs development finance
Match the facility to the works, monitoring requirements, duration and repayment route.
Bjorn LakuRead the guide
Compare
Bridging finance vs a commercial mortgage
Choose between short-term speed and longer-term property debt based on the actual transaction.
Bjorn LakuRead the guide
Bridging
Bridging finance LTV: how the numbers fit together
Separate value, gross facility, deductions, net proceeds and headroom.
Bjorn LakuRead the guide
Bridging
A bridge is only as strong as its exit
Build an evidenced sale or refinance route with enough time and a credible fallback.
Bjorn LakuRead the guide
Bridging
The valuation is not a formality
Prepare the property, documents and evidence that anchor the security decision.
Bjorn LakuRead the guide
Bridging
Auction bridging finance: buying property at auction.
Exchange on the hammer, completion in about 28 days: what to arrange first.
Bjorn LakuRead the guide
Bridging
Refurbishment bridging finance: light and heavy works.
Light and heavy works, staged drawdowns and a credible exit.
Bjorn LakuRead the guide
Compare
Regulated vs unregulated bridging loans.
The occupation test, what changes for borrowers, and which loans we provide.
Bjorn LakuRead the guide
Bridging
VAT bridging loans for commercial property.
Funding the VAT on a commercial purchase until HMRC repays it.
Bjorn LakuRead the guide
Bridging
Bridging loans for limited companies and SPVs.
Guarantees, ownership checks, documents and planning the exit.
Bjorn LakuRead the guide
Glossary
Bridging finance terms, explained
Plain-English definitions for LTV, gross and net loan, retained interest and open and closed bridges.
Bjorn LakuRead the guide
Compare
Invoice finance vs a business loan: which fits the gap?
Compare repayment, security, speed and how each copes with growth.
Bjorn LakuRead the guide
Compare
Invoice finance vs an overdraft: which handles cash flow better?
Compare limits, cost, flexibility and what happens as sales grow.
Bjorn LakuRead the guide
Compare
Selective or full-ledger funding: which suits your invoices?
One-off invoices or the whole ledger: cost, commitment and control.
Bjorn LakuRead the guide
Compare
Trade finance vs invoice finance: before or after the sale?
Supplier payments against confirmed orders, or invoices already raised.
Bjorn LakuRead the guide
Prefer to talk it through? A director will happily walk you through the right option for your business.
Start an applicationPractical tools
Move from reading to a decision.
Find a likely funding fit
Use five short questions to narrow the most relevant route.
Start selector →Understand pricing
Review the factors that influence structure and indicative terms.
Pricing and decisions →Explore case studies
See illustrative examples of payroll, stock, project and property timing gaps.
View case studies →Decision content
Compare the route before applying.
ComparisonInvoice Finance
Invoice Finance
Invoice Factoring
Selective
Trade Finance
Bridging Finance
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
vs Full-Ledger Invoice Finance
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.
Mechanics, cost and suitability
Security, valuation and exit
Supplier funding and cash conversion
Next step
Read enough? Talk to a director.
A director reviews every application and gives a first view within one working day.