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      Asset based lending (ABL) from 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, food and drink, print and
      packaging, and service sectors.




       



      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.


      Find out how we
      can help your business



      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.

       

      Supports strategic transactions


      Businesses can use this funding approach to support acquisitions, ownership changes, restructures, or contract mobilisation. Finance is generated from existing assets such as invoices, stock, plant, or machinery, helping protect day‑to‑day cash flow. This makes it suitable for established businesses undergoing strategic change.

       

      Designed for your business


      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.



      

      News and insights

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      CASE STUDIES
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      19 Jan 2026

      Why invoice factoring is still a smart choice

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      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.



       

      Speak to our industry experts for more information



      Our step-by-step process


      Fill out our short online form

      To find out how we can support you and your business, please complete our online 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

      Based on your conversations with your account manager, we will develop a flexible repayment plan that matches 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.

      


       

      Get in touch

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