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Unlock cash from unpaid invoices, without waiting months!
Invoice Finance is a flexible funding solution that allows your business to access the money tied up in outstanding invoices. Rather than waiting weeks or months for customers to pay, you can release up to 90% of the invoice value. It’s a simple, scalable way to improve cashflow and keep your business moving, without taking on traditional debt.
Instant access to cash
No collateral required
Funding grows as you grow
Perfect for B2B businesses
Flexible repayment terms
We search! Quick & hassle-free
How Invoice Finance Works
Invoice Finance lets you access cash from unpaid invoices without waiting 30, 90, or even 120 days. Once you’ve sent an invoice, a lender can advance up to 90% of its value, usually within 24 hours. When your customer pays, you get the rest, minus a small fee. It’s a quick, flexible way to manage cashflow without taking on debt.
Types of Invoice Finance
There are two main options: Invoice Factoring and Invoice Discounting. With Factoring, the lender provides the cash and handles collections. With Discounting, you stay in control of chasing payments. Both help you get paid faster, and which is best depends on how hands-on you want to be.
Who is Invoice Finance for?
Invoice Finance is ideal for B2B businesses offering credit terms to their clients. It’s used across industries like recruitment, construction, and logistics, but any company waiting on invoices to be paid can benefit. If cashflow gaps are slowing your operations or limiting growth, this could be the solution.
How much working capital
can you unlock?
Frequently asked questions
Invoice finance scales with your business by providing flexible funding based on your sales. As you grow and generate more invoices, your available working capital increases - eliminating cashflow gaps without adding debt. With fast access to funds, you can meet rising demand, pay staff, and reinvest in growth without waiting for customers to pay.
12s Finance finds the right invoice finance provider to support your business at every stage.
To read more about how invoice finance can help your business keep up with rapid growth, please read our blog.
There are mainly two types of invoice finance solutions: Invoice Factoring and Invoice Discounting.
Invoice Factoring: With Invoice Factoring, the lender takes control of your sales ledger and handles the collection of payments from your clients. This is ideal for businesses looking to free up their time and resources by outsourcing their credit control. You’ll receive an advance on your invoices, and the lender manages the process for you, leaving you to focus on growing your business.
Invoice Discounting: With Invoice Discounting, you maintain control of your sales ledger and continue to collect payments from your clients. The difference is that you’ll receive an advance on your invoices from the lender, giving you the cash you need to keep your operations running smoothly. This solution is more suitable for established businesses with strong credit control systems.
At 12s Finance, we’ll help you choose the best solution for your business by ultimately matching you with a lender that fits your needs - whether you're after the convenience of Invoice Factoring or the control of Invoice Discounting.
We search the market for you, ensuring you get the right funding option without any of the hassle.
The main difference between Invoice Factoring and Invoice Discounting is who handles the collection of payments from your clients and how much control you have over the process.
Invoice Factoring: With Invoice Factoring, the lender takes on the responsibility of managing your sales ledger and collecting payments from your customers. This can be beneficial for businesses that want to offload the credit control process and focus more on their core operations. Invoice Factoring is often a great option for businesses that need more support with cashflow management.
Invoice Discounting: In contrast, with Invoice Discounting, you maintain full control of your sales ledger and continue to collect payments from your clients as you normally would. The lender simply provides an advance on your invoices, helping you unlock working capital more quickly. Invoice Discounting is usually better suited for more established businesses with strong credit control systems and a steady cashflow.
At 12s Finance, we help match you with the right lender based on your business’s needs and preferences, so you get the best financing solution tailored just for you.
The actual amount you can borrow depends on the value of your invoices. Generally, lenders will advance up to 90% of your outstanding invoices, with the remaining balance paid once the client settles the bill, so ultimately you'll be able to fund 100% of your invoices.
At 12s Finance, we’ll help you find the right lender that best suits your borrowing needs based on the answer you submit in our quick and easy questionnaire.
The fantastic thing about invoice finance is that it's very flexible and can be tailored to businesses of all sizes. Whether you’re a start-up or an established company, we can connect you with lenders that provide the funding you need, no matter how small or large.
At 12s Finance, we've seen couriers that turnover under £150,000 access a £30,000 Invoice Factoring facility, to larger manufacturing businesses with multi-million £ turnovers access confidential Invoice Discounting facilities over £1m.
If late payments are slowing you down, cashflow is holding you back, or you need a funding solution that scales with your business, invoice finance could be exactly what you need.
Instead of waiting weeks or months for clients to pay, you can unlock the working capital tied up in your invoices - giving you the flexibility to cover expenses, seize new opportunities, and keep your business moving forward.
At 12s Finance, we make the process effortless. With access to the entire market, we ultimately match you with the best lender for your needs, ensuring you get fast, flexible funding without the hassle. Whether you're looking for more control with Invoice Discounting or a hands-off approach with Invoice Factoring, we’ll find the perfect fit - completely free of charge.
Invoice finance is a powerful funding solution for businesses across a vast range of industries and sectors, especially those that rely on invoicing and face delays in customer payments.
Whether you’re dealing with large contracts, seasonal fluctuations, or ongoing expenses, unlocking cash from your invoices helps keep your business running smoothly.
At 12s Finance, we have over 15 years of experience matching businesses with the right funding solutions - tailored to their industry, needs, and growth plans. Here are just some of the sectors that can benefit:
Recruitment – Pay your staff on time, even if clients take weeks or even months to settle invoices > > >
Logistics & Transport – Keep your fleet moving with instant access to working capital to cover fuel, wages, and maintenance > > >
Construction – Bridge the payment gap between project completion and client invoices with steady cashflow > > >
Manufacturing – Cover production costs, invest in new equipment, and scale up without cashflow concerns > > >
Marketing & Advertising – Fund campaigns, pay freelancers, and keep creative projects on track while waiting for client payments > > >
Service-Based Businesses (e.g., Commercial Cleaning) – Cover operational costs and wages while waiting for invoice payments > > >
No matter your sector, if your business raises invoices, invoice finance could be the key to unlocking faster growth. And with 12s Finance, we make finding the right lender simple, fast, and completely hassle-free!
One of the biggest advantages of invoice finance is speed. Once your facility is set up, funds can typically be released within 24 hours of raising an invoice - sometimes even sooner! The exact timeframe depends on the lender and the type of invoice finance you choose, but most businesses can access cash much faster than waiting for customers to pay on standard terms.
At 12s Finance, we work with lenders who prioritise quick fund releases - if speed is indeed what your business wants - ensuring you get access to working capital when you need it most. Whether you're covering wages, purchasing stock, or keeping your operations running smoothly, invoice finance helps bridge the gap and maintain healthy cashflow.
Not necessarily! Unlike traditional loans, invoice finance is more focused on the creditworthiness of your clients rather than your own credit score. Since lenders are advancing cash based on unpaid invoices, their main concern is whether your customers have a strong track record of making payments on time.
This means that even if your own credit history isn’t perfect, you could still qualify for funding - especially if you work with well-established businesses that have reliable payment habits. Invoice finance can actually be a great option, therefore, for businesses that might struggle to get approved for traditional bank loans or overdrafts.
At 12s Finance, we ultimately match you with a lender that understands your business and client base, ensuring you get the best possible funding solution without unnecessary roadblocks.
Start-ups may be eligible for invoice finance, although securing this type of financing can be more challenging due to the preference of many lenders for businesses with established financial histories and track records. However, there are invoice finance providers who specialise in supporting start-ups, and eligibility criteria can vary depending on the provider.
If you're a start-up, we can connect you with the right invoice finance lender who specialises in this area.
It couldn’t be easier! At 12s Finance, we take the hassle out of finding the right funding partner by doing all the searching for you.
Simply fill out a quick questionnaire with details about your business, cash flow needs, and the type of funding you’re looking for. Based on your answers, we’ll carefully match you with the most suitable invoice finance providers from our panel of trusted lenders. Whether you need fast access to cash, flexible terms, or a provider that specializes in your industry, we’ll connect you with the best fit - quickly and efficiently.
And the best part? Our service is completely free. No endless calls, no negotiating with multiple lenders - just a tailored match to the right funding solution, so you can focus on growing your business.
Yes, 12s Finance maintains an informative and regularly updated blog called Business Insight.
Business Insight covers a wide range of topics relevant to enterprise and business finance, including budgeting tips and information about invoice finance. We aim to provide valuable insights to help our clients make informed financial decisions.
If you'd like to visit Business Insight, please do so by clicking here.