Invoice Finance
Unlock cash tied up in unpaid invoices and keep your business moving.
With Rise Funding, you can:
- Compare lenders, rates and fees
- Dedicated finance specialist assigned to you
- Funding in as little as 24 hours
Improve cash flow with invoice finance
Invoice finance allows your business to release cash from outstanding invoices instead of waiting 30, 60 or 90 days to be paid. If late payments or long payment terms are restricting your growth, invoice finance provides fast access to working capital so you can pay suppliers, cover payroll, and reinvest with confidence.
We work with a broad panel of lenders offering invoice factoring and invoice discounting, helping you secure a solution that fits the way your business operates. Your dedicated finance specialist will guide you through the options and compare the best deals available.
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Considering invoice finance?
See whether invoice finance is right for your business with a quick, two-minute funding application.
£0.00
* this interest rate is a 'flat rate' and not an APR. 6.9% rate and longest term are based on the absolute lowest risk businesses and do not include any lender arrangement fees that may apply. This calculator is purely for illustrative purposes only. Rates, terms and amounts will vary depending on your businesses circumstances.
What types of businesses can benefit from invoice finance?
Invoice finance is widely used by companies that issue invoices with long payment terms. Common examples include:
Manufacturers and wholesalers
Long production lead times and supplier costs make immediate access to cash highly valuable.
Logistics, transport and distribution
Businesses in fast-moving sectors often rely on invoice finance to manage rising overheads and fluctuating fuel or supplier costs.
Professional services
Consultancies, marketing agencies, and IT service providers use invoice finance to stabilise cash flow between large invoicing milestones.
Temp recruitment agencies
With weekly payroll and long client payment cycles, invoice finance supports smooth cash flow in temp recruitment agencies.
Why would I need invoice finance?
Invoice financing is useful for any SMEs that rely on regular invoices to keep the business running.
Smooth out cash flow
Invoice finance gives you instant access to cash tied up in unpaid invoices, helping avoid cash bottlenecks caused by slow-paying customers.
Manage growth more easily
If you are taking on more clients or larger contracts, invoice finance provides the working capital needed to scale without pressure.
Cover operational expenses
From payroll to supplier payments, access to immediate funds means you can run your business without disruption.
Reduce reliance on traditional loans
Because the funding is secured against your invoices, lenders often offer more flexible terms, even for newer businesses.
Choose how much control you want
With invoice factoring, the lender can manage collections (depending on the type of invoice finance taken). With invoice discounting, you remain in control. Both options provide fast access to cash.
How unpaid invoices affect SMEs
Late and unpaid invoices can be hugely damaging to SMEs. In this article, we break down the true costs of unpaid invoices and how to remedy them.
- How unpaid invoices cause insolvency
- Other consequences of unpaid invoices
- How to use invoice finance
How to enquire about Invoice Finance with Rise Funding
Get a free instant quote
Use our free instant quote tool to get an immediate answer for how much you could borrow.
Approval within 24 hours
From a two-minute application, you could get the exact funding you need in as little as 24 hours.
Loan terms from 3 months to 6 years
We can find you loans that fit any scenario, from quick cash flow fixes to long-term projects.
Rates from
6.9%
Our rates make our loans manageable and ideal for any business.
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FAQs
The most frequently asked questions about invoice finance
Invoice finance works by submitting unpaid invoices to the lender. The lender then advances up to a percentage of the invoice value (often 70 to 90 percent). When your customer pays, the lender releases the remaining balance minus their fees. This process gives you access to cash far earlier than your payment terms.
Invoice factoring: The lender manages credit control and customer payments. This is more hands-on and often used by SMEs that want support chasing payments.
Invoice discounting: You manage your own credit control. The lender provides funding discreetly in the background. This is popular with larger or established businesses.
Single invoicing is another option whereby you can receive invoice finance for just one invoice, which can avoid long-term contracts and obligations. This is useful for business with large individual invoices or short-term cash flow requirements.
With invoice factoring, customers are usually aware because payments go through the lender. With invoice discounting, the arrangement can remain confidential.
Many businesses with Rise Funding receive funds within 24 hours of raising their invoices, depending on the lender.
We’ll help you secure the asset finance you need
This quote won’t affect your credit score
A dedicated finance specialist assigned to you
Funding in as little as 24 hours
We’ll help you find the funding your business needs
We will do the heavy lifting for you, and what’s more:
- We’ll manage your application
- Your credit score is not affected by apply with us
- Offers could be within 24hrs