Refer funding opportunities – earn a defined 20%.
For accountants, brokers, advisers, solicitors, estate agents and professional networks. Introduce businesses that need working-capital support through invoice finance, or property-backed short-term funding through bridging finance. We assess fit quickly, keep you informed and pay 20% of Cashbook Finance’s net income received on completion, subject to the written introducer terms agreed for the referral.
Your client can also check eligibility first, in about 2–3 minutes.
Introduce the opportunity. Keep the relationship.
Send the commercial context once. A named director reviews it before any client approach.
The proposition
You bring the relationship. We do the heavy lifting.
Cashbook Finance supports two clear funding needs. Invoice finance releases cash tied up in unpaid B2B invoices, while bridging finance provides short-term property-backed funding for purchases, refinancing, refurbishment and time-sensitive transactions. Your client gets a direct, commercial assessment; you stay informed throughout and are paid on completion.
Value on both sides
Good for your client. Good for you.
What your client gains
- Drawdown after setup
- An approved invoice can release up to 90%.
- Funding that scales with sales
- More invoicing, more headroom – no re-application.
- No monthly repayments
- Customers' payments settle the advances.
- Often viable with no property to pledge
- Built on the debtor book, not bricks and mortar.
- Optional credit control & bad-debt protection
- Take the admin and the risk off their plate.
What you gain
- 20% of our net income, paid on completion
- The basis and payment terms are confirmed in writing for the referral.
- You keep the relationship
- Your client deals with a named director, not a call centre.
- You arrive with the answer
- Exactly when the overdraft talk starts.
- Almost no work
- A few lines is enough – we assess fit.
- Marketing support
- An introducer pack plus a client-ready handout.
Two specialist routes
Match the funding problem to the right solution.
Working capital
Invoice finance
Convert completed B2B sales into working capital at the pace the business needs. Eligible invoices release cash early, helping fund payroll, suppliers and growth without waiting for customer payment terms to expire.
- Advance up to 90% of eligible invoices
- Funding can grow with the sales ledger
- Selective, disclosed and confidential routes
- Optional credit control and bad-debt protection
Property-backed funding
Bridging finance
Move quickly on a property-led opportunity with short-term funding structured around the asset, the transaction and the exit. Suitable for acquisitions, refinances and refurbishments where timing matters and the repayment route is clear.
- First- and second-charge structures considered
- Buy-to-let, residential, commercial and land security
- Fit review, then valuation, legal work and completion
- Exit by sale, refinance or another evidenced route
Spot the opportunity
Do you have clients who need…
- Wait 30–90 days to be paid by other businesses
- Have just won a big contract they need to fund
- Find payroll tight, even with a full order book
- Were turned down by the bank – "not enough security"
- Are growing faster than their cash can keep up
- Have turned down work because the cash wasn’t there
- Short-term property funding for a purchase, refinance or refurbishment
- A fast bridge while a sale, refinance or longer-term facility completes
Two or more? That’s a conversation worth introducing.
One screening question does most of the work: "Do you invoice other businesses – and then wait to be paid?"
The ideal client, in five checks
- Sells B2B on credit terms – 14 to 120 days
- Invoices after delivery or completion
- Creditworthy customers – a spread, not one dominant payer
- Clean paperwork – order → delivery → invoice
- Growing, seasonal, or cash-tight despite profit
- £50k+
- annual turnover, typically
- 6+ months
- trading history
Best-fit sectors
- Recruitment
- Healthcare
- Haulage & logistics
- Wholesale & distribution
- Manufacturing
- Exporters
- Printing & packaging
- Professional services
Construction is fundable but specialist – refer for review, never rule out.
How to refer
Three simple steps.
- 1
Spot it
Hear a trigger phrase in a conversation you’re already having? Think Cashbook: "can we extend the overdraft?", "we’ve just won a big contract", "payroll week is always tight" or "the bank said no".
- 2
Introduce
Email or call a director with the client’s name, sector, rough turnover, who they invoice, their payment terms and the reason for funding. There is no obligation for you or your client at any stage.
A few lines is enough
- 3
We take it from there
A quick, honest view on fit, then due diligence, documents and verification. Drawdown starts once the facility is approved and set up. You’re kept informed, and commission is paid on completion.
- Submit the contextRequirement, route, timing and available evidence.
- Director reviewWe assess likely fit and contact you first.
- Stay in the loopYour attribution and client relationship remain visible.
Tracked attributionNo sensitive filesDirector-reviewed
Affiliate FAQs
Answers to the common questions.
Isn’t invoice finance for struggling businesses?
Quite the opposite – it’s growth finance. Funders want healthy ledgers, and fast-growing firms are the heaviest users, because growth is exactly when the cash gap bites hardest.
Isn’t it just an expensive loan?
It’s structurally different: no lump sum and no monthly repayments. The client’s sales create the funding; their customers' payments settle it. On cost, it’s typically dearer than secured bank debt – the honest comparison is like-for-like, including the value of any credit control.
Will my client’s customers find out?
Invoice discounting is usually confidential – customers see no change. Disclosed factoring is also routine: large customers process Notices of Assignment every day.
Are they too small?
Facilities run from single-invoice level upwards – typically suiting businesses with £50k+ annual turnover and 6+ months trading. Selective funding is a low-commitment way to start.
What if a customer doesn’t pay?
Standard facilities are "with recourse" – if an invoice is still unpaid after an agreed period (commonly ~90–120 days past due), the advance on that invoice reverses. Optional bad-debt protection adds cover if a customer becomes insolvent.
What about construction clients?
Fundable, but specialist – applications for payment, retentions and contract terms need the right product. Refer for specialist review rather than ruling it out.
How and when is commission paid?
You earn 20% of Cashbook Finance’s net income received on completion, subject to the written introducer terms agreed for the referral. You are kept informed throughout.
Do I need regulatory authorisation to refer?
A straightforward commercial introduction may not require separate authorisation from the FCA, but the position depends on the activity, client and product. Introducers should confirm their own regulatory and professional obligations before referring business.
What information do you need to make a referral?
Just a few lines: the client’s name, sector, rough turnover, who they invoice, their typical payment terms, and what prompted the conversation. We’ll come back quickly with an honest view on fit.
Can I refer clients who need other funding?
Our focus is invoice finance, but if a client also needs short-term bridging secured on property, we’re happy to review that too – so you can bring us the cash-flow conversation in whatever form it arises.
Intermediary criteria
What we look at before a case goes anywhere.
Published criteria, so you can qualify a case before you introduce it. These are the factors that shape structure and pricing, not a quote and not a guarantee of availability.
- 01
Invoice finance
Against raised, unconditional B2B invoices. Up to 90% of an eligible approved invoice, typically released 24–48 hours after the facility is set up. Facility sizes £10k–£1m.
- 02
Bridging finance
Short-term and secured on business or investment property – commonly 3 to 24 months, repaid on sale or refinance. Assessed around security, LTV, valuation, costs and a credible exit route.
- 03
Trade and timesheet finance
Trade finance against a confirmed order, assessing supplier cost and repayment together. Timesheet finance for recruiters between payroll and payment.
- 04
What to send with a case
Receivables: ledger, ageing, sample invoices and terms. Property: deal details, value evidence, charge, amount, exit and deadline.
- 05
What usually stalls a case
Conditional or pre-delivery invoicing, heavy reliance on one debtor, unresolved disputes, or an unevidenced property exit.
- 06
What the introduction pays
A defined 20% of net income received on funded introductions, subject to terms. You keep the client relationship; we handle the funding conversation.
Submitting a case
One conversation is the whole ask.
Send the headline facts and we target an initial fit response within one working day. Terms, facility setup and drawdown are separate stages, and timing depends on evidence, due diligence, valuation and legal work.
Direct contacts: Endrit Beqaj, CEO – lending decisions · Bjorn Laku, Director & CMO – partnerships.
Cashbook Finance Limited is FCA registered, Firm Reference Number 782472. Open the FCA register entry (opens in a new tab)
Verified partner testimonials
What professional partners say about the introducer experience.
Commercial finance broker
Director, UK Commercial Finance Brokerage“Cashbook Finance gives us clear feedback on whether a case fits, what information is missing and what could prevent it from progressing. That direct approach helps us manage client expectations and avoids wasting time on structures that are not viable.”
Accountant and business adviser
Partner, UK Accountancy and Advisory Practice“The team considers the underlying commercial position, not just the immediate funding request. Their feedback on debtor quality, cash-flow timing and the proposed repayment route has been useful when helping clients evaluate their options.”
Free introducer resource
Explain invoice and bridging finance with confidence.
Download the practical presentation built for professional networks. It explains invoice finance and bridging finance in plain English, shows where each one fits and gives you a sharper way to recognise and refer opportunities.
- Plain-English mechanics
- Opportunity signals
- Referral conversation toolkit
Download the presentationPDF · 2.2 MB
More for introducers: the introducer pack (PDF · 900 KB), and client handouts for invoice finance (PDF · 460 KB) and bridging finance (PDF · 440 KB).
Make your first referral
Bring us one client conversation, that’s the whole ask.
20% of Cashbook Finance’s net income received on completion, subject to written introducer terms.
Introduce a client by contacting either director directly – we’ll come back with a quick, honest view on fit.
Before introducing a client, check your professional body, network or regulator’s rules, including any duty to disclose introducer commission.
Invoice finance does not suit every business; suitability depends on the business model, invoice and debtor quality, contract terms, cost and funding need.
All figures are illustrative.