# Business Finance by Sector Source: https://www.cashbookfinance.co.uk/sectors Last updated: 2026-10-26 Publisher: Cashbook Finance Limited > Browse 16 sector funding illustrations showing how invoice, trade and timesheet finance may fit different trading models, evidence and cash-flow cycles. FCA-registered UK lender FRN 782472 ## See how funding changes by industry. Browse 16 sector illustrations covering common evidence, timing and debtor-quality questions before choosing a funding route. INV-2048 · Arden Health Group Illustration 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 Invoice value · £50,000 Advance rate 70% 80% 90% Customer terms 30 60 90 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 eligibility **£30m+** funded · **100+** UK businesses since 2019 - FCA **782472** - ICO **ZB545200** - Companies House **10723098** 16 industry examples ### Sector illustrations. How to use these pages - **Start with evidence** Contracts, invoices, customers and delivery proof. - **Then match timing** Where cash leaves before customer payment arrives. - **Then choose route** Invoice, trade, timesheet or selective funding. - **Final check** Individual assessment always applies. Talk it through · A director, about 15 minutes. - Sector illustration **Recruitment** Fund weekly payroll where approved timesheets or invoices are waiting on end-client payment. Read - Sector illustration **Construction** Review timing gaps around certified work, materials, subcontractors and customer payment cycles. Read - Sector illustration **Wholesale** Support repeat orders where cash is tied up between stock movement and customer payment. Read - Sector illustration **Healthcare** Bridge the gap between paying staff, carers or suppliers and receiving payment from customers. Read - Sector illustration **Import & export** Map the cash chain from supplier payment to delivery, invoicing and customer settlement. Read - Sector illustration **Manufacturing** Support the gap between materials, production costs and payment for completed orders. Read - Sector illustration **Professional services** Fund completed work where larger clients pay on agreed commercial terms. Read - Sector illustration **Engineering** Support supplier, labour and project costs while approved work waits for payment. Read Check eligibility · About 2–3 minutes, no credit search. - Sector illustration **Facilities management** Fund recurring service delivery where payroll lands before monthly customer receipts. Read - Sector illustration **Food & beverage** Bridge the timing gap between buying, delivering and collecting from trade customers. Read - Sector illustration **Print & packaging** Support repeat production cycles where material costs land before customer payment. Read - Sector illustration **Technology & media** Fund completed B2B projects or retainers where clients pay after delivery. Read - Sector illustration **Security & cleaning** Cover payroll pressure where contracted services are billed monthly and paid later. Read - Sector illustration **Logistics & transport** Support operating cash flow while completed deliveries wait for customer settlement. Read - Sector illustration **Agriculture** Review funding around input costs, supply contracts and delayed buyer receipts. Read - Sector illustration **Energy & renewables** Fund equipment and installation costs while commissioned work waits for customer payment. Read Talk it through Choose by funding need ### Start with the commercial timing gap, not the sector label. Two businesses in the same sector can need completely different structures. The trigger is what must be paid, what evidence exists and how the facility returns to zero. Completed B2B work #### Invoice finance For eligible unpaid invoices where goods or services have already been delivered. Explore invoice finance Supplier or stock purchase #### Trade finance For a verified transaction with a supplier, buyer, landed margin and repayment route. Explore trade finance Property-backed deadline #### Bridging finance For a short-term property transaction with acceptable security and a credible exit. Explore bridging finance Check eligibility ### Guides for every sector - [Facilities that pair with invoice finance · Funding](https://www.cashbookfinance.co.uk/insights/funding-options-with-invoice-finance) - [Factoring vs invoice discounting · Compare](https://www.cashbookfinance.co.uk/insights/factoring-vs-invoice-discounting) - [Trade finance vs invoice finance · Compare](https://www.cashbookfinance.co.uk/insights/trade-finance-vs-invoice-finance) - [Invoice finance glossary · Glossary](https://www.cashbookfinance.co.uk/insights/invoice-finance-glossary) ### Guides for every sector - [Facilities that pair with invoice finance](https://www.cashbookfinance.co.uk/insights/funding-options-with-invoice-finance) - [Factoring vs invoice discounting](https://www.cashbookfinance.co.uk/insights/factoring-vs-invoice-discounting) - [Trade finance vs invoice finance](https://www.cashbookfinance.co.uk/insights/trade-finance-vs-invoice-finance) - [Invoice finance glossary](https://www.cashbookfinance.co.uk/insights/invoice-finance-glossary) --- 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.