London-based access to funding against eligible B2B invoices.
Cashbook Finance is based at Hay’s Galleria, SE1. Suitability is determined by the ledger, debtor quality, evidence of completed work and the controls needed around the facility – not by postcode.
Not sure yet? Check eligibility in 2–3 minutes, or talk to a director.
From headline turnover to funding
A £300,000 sales ledger
- Valid and assignable invoices
- Debtors with credible payment capacity
- Contracts, timesheets or delivery evidence
- Concentration and dispute controls
A £300,000 sales ledger with 80% eligible gives £240,000 of eligible invoices; at 90%, about £216,000 of availability.
The ledger must evidence completed, collectible B2B work. Illustrative only: eligibility, advance and controls follow assessment.
Check eligibilityPractical fit
What a London business needs to show.
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01
Fundable invoices
Completed B2B work, clear payment terms and invoices that are valid, assignable and not materially disputed.
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02
Reliable debtors
Established customers, a credible payment history and concentration that can be understood and controlled.
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03
Operational evidence
Contracts, purchase orders, approved timesheets, delivery evidence and ledger reporting that reconcile.
Where it fits
Where invoice finance can solve a real timing gap.
Recruitment
Weekly payroll, monthly customer receipts
Approved timesheets and invoices can support a revolving availability line while customers pay on agreed terms. Timesheet finance
Professional services
Project delivery before invoice settlement
Evidence of completed milestones and reliable debtors can turn delivered work into working capital.
Facilities and contracting
Mobilisation, staff and subcontractor costs
A controlled ledger can reduce the cash pressure between service delivery and customer payment.
Assessment path
How a ledger can translate into availability.
- 1
Initial fit
Funding purpose, amount, sector, debtor profile and existing security.
- 2
Evidence review
Aged debtor report, sample invoices, contracts, delivery evidence and management information.
- 3
Indicative structure
Advance, concentration controls, exclusions, pricing and operational requirements.
- 4
Setup and drawdown
Documentation, verification, notices where relevant and activation of eligible availability.
Anonymised case evidence
Weekly payroll supported by timesheet-backed invoices.
A recruitment business needed a more predictable source of working capital while major customers paid on 30- to 60-day terms. The structure followed approved timesheets, debtor quality and concentration controls.
Evidence drove the structure
Approved timesheets and valid invoices
Aged debtor and creditor reports
Customer concentration controls
Payroll and cash-flow requirements
Worked example
A London agency’s invoice.
A London creative agency invoices a client £30,000 on 45-day terms and has a £22,000 payroll on Friday.
The advance covers the payroll days after the invoice is raised.
| Invoice value, on 45-day terms | £30,000 |
|---|---|
| Advanced within 24–48 hours (90%) | £27,000 |
| Discount charge, about 2% per 30 days, for 45 days | £900 |
| Paid to you when your customer pays | £2,100 |
| Total cost of funding this invoice | £900 (3% of the invoice) |
| If your customer pays 15 days late | +£300 in charges |
Illustrative: up to 90% advanced and a discount charge of about 2% of the invoice per 30 days. Rates, advances and any service fee vary by business, sector and customers, and are confirmed in writing before you commit.
Do I need to be based in London?
No. We fund businesses across the UK; this page covers London sectors and terms.
Which London sectors use invoice finance most?
Professional services, recruitment, creative and media agencies, construction and wholesale.
How quickly can funds arrive?
After approval and setup, typically within 24–48 hours of an eligible invoice.
Can I meet the team?
Yes. We are based at Hay’s Galleria, London SE1; book a call or a meeting with a director.
London or remote
Meet by appointment or complete the process remotely.
Use the same evidence-led process whether the conversation starts in London or elsewhere in the UK. Funding a property deadline instead? See bridging loans in London.
Not sure yet? Check eligibility in 2–3 minutes, or talk to a director.
Introducing a client? Work with us as an intermediary.