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      Tailored asset based lending
      (ABL) from industry experts


      Flexible funding for UK businesses, secured against invoices, stock
      and assets.

      We support established businesses with £5m+ turnover across
      manufacturing, recruitment, engineering, food and drink, print,
      packaging and services.




      Why choose Close Brothers Invoice Finance?

      

      Product options

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

      Finance experts

      With decades of asset based lending expertise, we help businesses 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.



       

      What our customers say

      It was my dream to open my own practice and I could not have done it without Close Brothers.
      R Health Dental Ltd
      The team act quickly and professionally. They advise well, listen and understand our needs and the nuances involved in business, which ensures we reach the right outcome to suit our organisation.
      Close Brothers not only made this transition possible but also seamless. I’m grateful for their support and commitment to my business’s future.
      Dave McIver
      Accountant
      We’ve used Close Brothers for 20 years for all our finance needs and they have been instrumental in supporting our growth. The team always offers a frictionless experience; they are easy to deal with and funding decisions are very quick.
      ARK Dental
      Great service and communication.
      The team from Close Brothers is always ready to help. I can discuss my finance at any time, very professional and helpful.

       



      Asset based lending (ABL) benefits:

       


      Unlock more working capital


      ABL lets you secure funding against multiple business assets, unlocking more capital than invoice finance alone and providing extra headroom for growth and investment.



       


      Greater financial flexibility


      ABL is a flexible alternative to traditional loans and overdrafts, structured around your assets rather than fixed limits. It is ideal for managing seasonality, acquisitions, or periods of change and restructuring.


      Funding that grows your business


      With funding linked to asset values, ABL scales as your business grows, continuing to support changing cash flow needs, expansion and long‑term funding requirements.


      Top-up cash flow finance


      In some cases, additional cash‑flow funding may be available alongside asset‑based facilities, where strong historic and forecast cash generation can be demonstrated, helping manage short‑term fluctuations or opportunities.



       


      Supports strategic transactions


      This funding supports acquisitions, ownership changes, restructures or contract mobilisation, using existing assets to protect day‑to‑day cash flow for established businesses undergoing change.





      Designed for your business


      ABL facilities are tailored to your business, with funding structured around your assets to support both short‑term working capital needs and long‑term growth plans.

      



      

       

      Find out how we can
      help your business

      Client success stories

      How GMS Group keeps cash flow moving as it grows

      CASE STUDIES
      23 Apr 2026

      Sales Sprint Global accelerates with invoice factoring

      CASE STUDIES
      07 Apr 2026

      Financing a buy-in management buyout (BIMBO) with day‑one working capital

      CASE STUDIES
      24 Mar 2026

      The Growth Guarantee Scheme (GGS) – what it is and how it works

      BLOG
      16 Mar 2026

      What is invoice financing?

      BLOG
      19 Jan 2026

      Why invoice factoring is still a smart choice

      BLOG
      15 Jul 2025



       



       





      Case study:

      Recruitment firm uses ABL to fund Managment buy-out (MBO)


      The business had three main requirements for the funding:


      1. To refinance their existing invoice finance facility with another provider
      2. To enable members of the c-suite acquire stakes in the business and allow others to exit
      3. To provide an ongoing working capital facility after the transaction has taken place.


      Our funding experts identified asset‑based lending as a suitable solution, releasing capital from assets such as receivables, stock and machinery. Combined with a cash flow loan, this provided an immediate cash injection to support both short and long‑term objectives.


      An invoice discounting facility was structured alongside a cash flow loan, enabling upcoming transactions to be completed without disrupting day‑to‑day operations. In total, £9.2 million was advanced, including over £1 million in cash flow funding.




       

      Still got questions?
      Get in touch with our team



      Our step-by-step process


      Fill out our short form

      To find out how we can support you and your business, please complete our form.
      It only takes a few minutes to complete.

      Speak with our finance experts

      Our dedicated finance specialists will contact you to discuss your needs and provide more information about our products and services.

      Receive a tailor-made finance plan

      We will develop a flexible repayment plan matching your payment schedule with your seasonal income.


       





      Business Moneyfacts award winners for 12 consecutive years



      Close Brothers Invoice Finance has been named Best Asset Based Lender and Best Factoring & Invoice Discounting Provider at the Business Moneyfacts Awards 2025.


      The Business Moneyfacts Awards are recognised industry-wide and celebrate excellence across the business and finance sector. The awards acknowledge the outstanding service and products we offer to our invoice discounting, factoring and asset-based lending clients.




       




       





       

      Speak to our industry
      experts for more information

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