# Invoice Finance London | B2B Funding Source: https://www.cashbookfinance.co.uk/invoice-finance-london Last updated: 2026-10-31 Publisher: Cashbook Finance Limited > Invoice finance for London B2B businesses. Review ledger quality, eligibility, concentration, evidence and funding structure with a London-based lender. FCA-registered UK lender FRN 782472 ## 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. [Start an application](https://www.cashbookfinance.co.uk/apply?product=invoice) Not sure yet? [Check eligibility](https://www.cashbookfinance.co.uk/eligibility) in 2–3 minutes, or [talk to a director](https://www.cashbookfinance.co.uk/book-call). Illustration 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 Sales ledger £300,000 Eligible after exclusions and concentration 80% Advance rate 70% 80% 90% The ledger must evidence completed, collectible B2B work. Illustrative only: eligibility, advance and controls follow assessment. Check eligibility Practical fit ### What a London business needs to show. 01 #### Fundable invoices Completed B2B work, clear payment terms and invoices that are valid, assignable and not materially disputed. 02 #### Reliable debtors Established customers, a credible payment history and concentration that can be understood and controlled. 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](https://www.cashbookfinance.co.uk/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](https://www.cashbookfinance.co.uk/timesheet-finance), debtor quality and concentration controls. [Read the verified case summary](https://www.cashbookfinance.co.uk/case-studies#case-1) 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. Quick answers ### Common questions. [All questions](https://www.cashbookfinance.co.uk/faq) **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. ### More guides on invoice finance - [CHOCs: client handles own collections](https://www.cashbookfinance.co.uk/insights/chocs-client-handles-own-collections) · Guide - [Construction invoice finance: CIS and retentions](https://www.cashbookfinance.co.uk/insights/construction-invoice-finance-cis-retentions) · Sector - [Invoice factoring guide](https://www.cashbookfinance.co.uk/insights/invoice-factoring-guide) · Guide - [Invoice factoring vs business loan](https://www.cashbookfinance.co.uk/insights/invoice-factoring-vs-business-loan) · Compare - [How invoice finance fixes cash flow](https://www.cashbookfinance.co.uk/insights/invoice-finance-cash-flow) · Cash flow - [Invoice finance for digital media agencies](https://www.cashbookfinance.co.uk/insights/invoice-finance-digital-media-agencies) · Sector 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](https://www.cashbookfinance.co.uk/bridging-loans-london). [Start an application](https://www.cashbookfinance.co.uk/apply?product=invoice) Not sure yet? [Check eligibility](https://www.cashbookfinance.co.uk/eligibility) in 2–3 minutes, or [talk to a director](https://www.cashbookfinance.co.uk/book-call). Introducing a client? [Work with us as an intermediary](https://www.cashbookfinance.co.uk/intermediaries). --- 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.