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Tailored asset based lending
from industry experts


Flexible funding for UK businesses, secured against invoices, stock,
and assets to support growth, acquisitions, restructuring, or refinancing.

We work with established businesses turning over £5 million across
manufacturing, recruitment, engineering, and service sectors.




Why choose Close Brothers Invoice Finance?



Product options

From invoice finance, invoice factoring and invoice discounting to asset‑based leasing, our flexible funding solutions help improve cash flow by unlocking capital tied up in unpaid invoices.

Finance experts

With decades of invoice finance expertise, we help practices thrive. We have been named Best Asset Based Lender by Business Moneyfacts for 12 consecutive years.

Leading software

Our IDeal™ platform gives you secure, real‑time access to cash 24/7, seamlessly integrating with your accounting software and supported by the long‑standing expertise of the Close Brothers.

Tailored finance

Each facility is structured to grow with your turnover and changing cash‑flow needs, providing a confidential and adaptable alternative to traditional business finance.



Asset based lending (ABL) benefits:



Unlock more working capital


With ABL, you can secure funding against multiple business assets, from receivables and stock to property, plant and machinery. This approach allows you to unlock more capital than invoice finance alone, providing additional headroom for growth and investment.



 


Greater financial flexibility


ABL offers a flexible alternative to traditional loans and overdrafts, with facilities structured around your assets rather than fixed borrowing limits. This flexibility makes ABL suitable for businesses managing seasonal demand, funding acquisitions, or navigating periods of change or restructuring


Funding that grows your business


With funding tied to the value of your assets, ABL provides a scalable solution that increases as your business grows. This flexibility ensures your facility continues to support changing cash flow demands, expansion plans and longer‑term funding requirements as your business evolves.


Top-up cash flow finance


In some instances, top-up cash flow finance may also be available in addition to funding against receivables, inventory, property, and plant and machinery, particularly where a business can demonstrate strong historic and future cash generation. This can help smooth peaks and troughs or fund short-term opportunities.




 


Financial stablility




Bespoke solutions


ABL facilities are typically tailored to the specific needs of your business, with funding structured around your asset mix and commercial objectives. This bespoke approach allows businesses to create a funding solution aligned to both short‑term working capital needs and long‑term growth plans.



 

Find out how we can help your business



Our step-by-step process


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PPC - Asset Based Lending - Desktop