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    Invoice finance for the business services industry

    Whether you're a marketing agency, IT provider, or consultancy, invoice finance can help you manage cash flow and invest in growth without the wait.

    What is invoice finance for business and professional services?


    Invoice finance is a fast solution to a business-critical issue: clients not paying on time. Instead of waiting weeks or months, you receive 90% of the invoice value as soon as it's raised, unlocking the tied-up cash.

    How does invoice finance for business services work?


    As a business service provider, once you're set up with us, you simply raise your invoices as usual and we advance 90% of their value, often within 24 hours. Invoice finance gives you immediate access to your funds, helping you pay staff, cover overheads, and keep your business running smoothly, even when customer payments are delayed.

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    Benefits of invoice finance for business services companies

    Instant access to working capital

    From advertising to recruitment, business services firms operate in competitive markets with ambitious growth plans. Invoice finance bridges the gaps between client payments, letting you focus on what matters: accelerated growth.

    Reduce administrative burden

    Spend less time chasing invoices. With invoice factoring, we handle collections on your behalf, freeing up working capital and letting your accounting team focus on other tasks.

    Improve supplier negotiations

    With healthy cash flow, you can settle supplier bills faster and faster payment often means stronger negotiating power, better terms, and preferential rates on your next contract.

    Birch Faraday Capital


    "The team at Close Brothers was enjoyable and easy to work with, and always available when needed. The deal wouldn’t have happened without them and we’re very grateful for their expertise and support. This was a great way to structure our first acquisition and we would absolutely look to use this form of financing and Close Brothers for our future acquisitions."


    Darnell Irozuru, Managing Director at Birch Faraday Capital

    Read this case study

    Invoice finance products for the business services sector

    Invoice discounting for the business services industry

    Some clients prefer to retain control of their collections, leaving the in-house finance team to process invoices as usual. We advance 90% of the value once it's raised, protecting your existing processes while unlocking working capital. Client relationships stay yours and the arrangement remains confidential, making invoice discounting ideal for business services firms seeking a discreet, scalable cash flow solution.

    Invoice factoring for the business services industry

    We can also manage credit control and collect payments on your behalf. This reduces administrative workload, freeing your team from chasing collections. With invoice factoring, you take back control of your cash flow while we handle the administrative burden in the background.

    Frequently asked questions

    Will invoice finance increase as my business grows?

    Yes, invoice finance automatically increases as your business grows because the available funding is directly tied to the value of your sales ledger and outstanding invoices. Unlike a fixed bank loan or rigid overdraft, invoice finance is a scalable facility that flexes with your turnover.

    Is invoice finance suitable for businesses with long payment terms?

    Yes. Invoice finance can help businesses overcome the challenges of long payment terms (60, 90, or 120 days).


    Extended payment cycles can leave cash tied up for months after goods are delivered or services are completed. By releasing funds from outstanding invoices, invoice finance helps businesses bridge this liquidity gap and benefit from instant cash and operational continuity.

    Can invoice finance help fund business growth?

    Yes, invoice finance can effectively fund business growth.


    Business services providers operate in competitive markets with ambitious growth plans. Invoice finance bridges the gap between invoicing and client payment, letting firms focus on what matters: accelerated growth.

    Which business services firms can use invoice finance?

    From advertising to recruitment, business services firms of all types can benefit from invoice finance to manage cash flow and invest in growth. These include marketing agencies, IT providers, consultancies, accountancy practices, recruitment agencies and law firms.

    • Will invoice finance increase as my business grows?

      Yes, invoice finance automatically increases as your business grows because the available funding is directly tied to the value of your sales ledger and outstanding invoices. Unlike a fixed bank loan or rigid overdraft, invoice finance is a scalable facility that flexes with your turnover.

    • Is invoice finance suitable for businesses with long payment terms?

      Yes. Invoice finance can help businesses overcome the challenges of long payment terms (60, 90, or 120 days).


      Extended payment cycles can leave cash tied up for months after goods are delivered or services are completed. By releasing funds from outstanding invoices, invoice finance helps businesses bridge this liquidity gap and benefit from instant cash and operational continuity.

    • Can invoice finance help fund business growth?

      Yes, invoice finance can effectively fund business growth.


      Business services providers operate in competitive markets with ambitious growth plans. Invoice finance bridges the gap between invoicing and client payment, letting firms focus on what matters: accelerated growth.

    • Which business services firms can use invoice finance?

      From advertising to recruitment, business services firms of all types can benefit from invoice finance to manage cash flow and invest in growth. These include marketing agencies, IT providers, consultancies, accountancy practices, recruitment agencies and law firms.

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    Invoice Finance for Business Services | Close Brothers Invoice Finance
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