New to invoice finance? Receive most of an invoice’s value straight away, instead of waiting 30, 60 or 90 days for your customer to pay. Here’s exactly how it works.
Not sure yet? Check eligibility in 2–3 minutes, or talk to a director.
Cash received · this invoice
A £50,000 invoice on 30-day terms
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.
Adjust the invoice, advance rate and customer terms to see the mechanics of an illustrative facility. Illustrative only: a discount charge of around 2% of the invoice value. Actual rates and advance percentages vary by business, sector and customers. Here the fee is about £1,000.
Check eligibilityIn brief
The five things a director would tell you on a first call. Everything below is the detail behind them.
Cashbook Finance · Invoice finance
Indicative · confirmed in writing before you commit
Figures are typical ranges, not an offer. Your advance rate and fees depend on your customers, sector and ledger.
Download the product sheetPDF · 460 KB
The simple version
In plain English
A funding facility where, after approval and setup, a lender advances most of the value of an eligible unpaid invoice – typically up to 90% – usually within 24–48 hours of submission. When your customer pays, you receive the remaining balance, less the fees agreed in writing. It’s not a loan you pay back in instalments; it’s an advance on money you’re already owed.
An everyday analogy: It’s like a cash advance on a pay cheque you’ve already earned. The work is done and the invoice is sent – instead of waiting weeks for the money, most of it lands now, and the rest follows when your customer pays.
Cashbook Finance facts. Cashbook Finance provides invoice finance to UK B2B businesses, with facilities from £10,000 up to £1m. Eligibility and pricing depend on receivables, debtor quality, concentration, evidence and the agreed structure; decisions are case-specific.
You’re unlocking cash you’ve already earned – not borrowing against the future.
The more you invoice, the more funding is available – no need to keep re-applying.
It’s secured mainly against your invoices, not your home or premises.
How it works
Day 0 · your usual terms
Carry on invoicing your customers exactly as you do today, on your usual payment terms.
Typical drawdown: 24–48h after setup
Once the facility is live, submit an eligible invoice. Most of its approved value typically reaches your account within 24–48 hours.
Day 30–90 · as normal
They pay as normal. With confidential discounting they need never know a funder is involved; with factoring, we can collect for you.
On collection · less the fee
We release the remaining amount, minus a small, agreed fee – and your funding refreshes for the next invoice.
The cost
About 2%, all in
A £1,000 fee for having £45,000 about a month early. Your headroom then refreshes for the next invoice.
A worked example
30-day terms · INV-2048
| Day | Description | Amount | To you |
|---|---|---|---|
| 0 | Raised: you invoice your customer. | £50,000 | £0 |
| 1–2 | Advanced (90%): after setup, an eligible invoice is typically drawn within 24–48 hours. | +£45,000 | £45,000 |
| 30 | Balance: the held-back £5,000 less a ~2% fee. | +£4,000 | £49,000 |
You receive £49,000 in total – the cost of having £45,000 a month early is around £1,000 (about 2% of the invoice).
Cash-flow timeline
One invoice on 30-day terms, paid 15 days late. Move the payment day and see when the cash arrives, with and without invoice finance. Example figures only.
15 days past 30-day terms
Without invoice finance, £100,000 arrives on day 45, 45 days after you invoice. With invoice finance, £80,000 (80%) is typically available within 24–48 hours of the approved invoice being uploaded, once the facility is live; the £20,000 balance, less fees, follows when your customer pays on day 45.
Illustrative dashboard
An illustrative view of a facility: as you invoice, availability builds with your sales ledger, and the reserve comes back as customers pay. Example figures only – not client data.
| Week | Invoiced | Outstanding | Available | Reserve released |
|---|---|---|---|---|
| 1 | £23,235 | £146,620 | £117,296 | £4,448 |
| 2 | £23,394 | £147,623 | £118,099 | £4,478 |
| 3 | £23,554 | £148,634 | £118,907 | £4,509 |
| 4 | £23,715 | £149,651 | £119,721 | £4,540 |
| 5 | £23,878 | £150,675 | £120,540 | £4,571 |
| 6 | £24,041 | £151,707 | £121,365 | £4,602 |
| 7 | £24,206 | £152,745 | £122,196 | £4,633 |
| 8 | £24,371 | £153,791 | £123,032 | £4,665 |
| 9 | £24,538 | £154,843 | £123,875 | £4,697 |
| 10 | £24,706 | £155,903 | £124,722 | £4,729 |
| 11 | £24,875 | £156,970 | £125,576 | £4,762 |
| 12 | £25,045 | £158,045 | £126,436 | £4,794 |
| 13 | £25,217 | £159,126 | £127,301 | £4,827 |
Illustrative only, before fees: the cash-flow gap simulator’s example – £100,000 invoiced a month today, 30-day terms, customers 15 days late, 3% monthly growth, an 80% advance. Real availability depends on approved invoices, exclusions, concentration limits and reserves. Model your own figures
Fit check
Sounds like you? Check eligibility
Lending judgement
Invoice finance is not a substitute for completed, enforceable B2B debt. Where sales are consumer-led, heavily disputed or not yet earned, another structure – or no funding – is the honest answer.
Upload them in the client portal, encrypted in transit and at rest
Checklists: invoice finance preparation (PDF · 220 KB) and debtor ledger quality (PDF · 220 KB)
The options
Likely route: Invoice discounting. The final structure depends on assessment and the facility terms.
Each route is a starting point; the final structure depends on assessment and the facility terms.
Not sure which fits? The eligibility checker takes 2–3 minutes and suggests a likely route to confirm with a director.
Proof you can check
“The team understood that our main pressure point was weekly payroll rather than a lack of profitable work. The process focused on the quality of our customers, approved timesheets and the invoices we had already earned.”
A recruitment firm needed payroll liquidity while customers paid in 30–60 days.
Client voices
“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.”
“Communication was direct throughout the transaction. The team examined the supplier, customer order, margin and delivery timetable rather than looking at the purchase order in isolation.”
“The team took time to understand how our invoices were raised and when they became payable. The proposed structure reflected our actual billing cycle rather than forcing us into a standard template.”
Verify before you share documents. Three independent registers hold the record for this firm. Cashbook Finance Limited is registered with the Financial Conduct Authority under Firm Reference Number 782472. Registered office: Cumberland House, 24–28 Baxter Avenue, Southend-on-Sea, Essex SS2 6HZ. Companies House 10723098: Active · incorporated 2017. ICO register ZB545200. The register links at the top of this page open each official record. All published figures are collected on the company facts page.
Quick answers
Invoice finance is not a conventional term loan repaid through fixed instalments. It is funding advanced against eligible receivables, and the customer payment normally clears the related advance. Legal and accounting treatment depends on the agreed structure.
Only if you want them to. Invoice discounting is confidential; factoring is disclosed because we handle collections on your behalf.
Two simple parts: a service fee for running the facility, and a discount charge for the funds you draw – both agreed up front in plain terms. Roughly 2% of the invoice in the example above.
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.
Commonly up to 90% of each invoice upfront, with the balance released (less fees) when your customer pays. Facilities run from £10,000 to £1m and grow automatically as your sales grow.
Standard facilities are “with recourse” – if an invoice is still unpaid after an agreed period (commonly ~90–120 days), the advance on that invoice reverses. Optional bad-debt protection covers you if a customer becomes insolvent.
Concentrated debtors, disputed invoices, weak evidence of delivery, consumer debtors or customers that cannot be verified.
Clean aged debtors, clear payment history, signed terms, sample invoices and a straight answer on what the cash is needed for.
An aged debtor report, recent invoices, customer names, payment terms and a short explanation of payroll, supplier or growth pressure.
Yes. Facilities run for an agreed term with a stated notice period, and both are set out in writing before you sign. If your needs change, we explain the notice, any minimum fees and how outstanding invoices are settled on exit.
Further reading
Start an application
Not sure yet? Check eligibility in 2–3 minutes, or talk to a director.
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