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      Invoice factoring shaped
      around your business needs


      Ease the strain on your business by releasing funds from your
      unpaid invoices while an expert credit management team look
      after the collection of payments on your behalf.

      We work with established businesses turning over £750,000 p.a
      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.

      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.

       

      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.

       



      Invoice factoring benefits


      Improved cash flow


      Invoice factoring allows you to access funds tied up in unpaid invoices rather than waiting for customer payment. This helps support day‑to‑day operating costs and cash flow planning.

      Funding grows with your sales

      

      As your invoicing increases, the level of funding available can also increase. This makes invoice factoring suitable for businesses experiencing growth or fluctuating sales volumes.

      Reduced reliance on overdrafts


      Invoice factoring provides an alternative source of working capital linked to your sales ledger. This can help reduce reliance on overdrafts or short‑term borrowing facilities.

      Support with credit control

      

      Many invoice factoring facilities include credit management support as part of the service. This can help reduce administrative burden by managing payment collections on your behalf.

      No requirement for property security

      

      Funding is typically secured against invoices rather than property or fixed assets. This can make invoice factoring accessible to businesses without significant property security.

      Predictable working capital


      With funding linked directly to your invoices, businesses gain greater visibility over incoming cash flow. This can support budgeting, planning, and operational decision‑making.

      Find out how we can help
      your business

      Upcoming events and success stories

      Supporting long-term planning with confidential invoice discounting

      CASE STUDIES
      13 May 2026

      What is asset based lending?

      BLOG
      05 May 2026

      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


      Case study:

      Sales Sprint Global accelerates

      with invoice factoring


      The challenge:

      Long payment terms from large customers, combined with upfront supplier costs, put ongoing pressure on working capital. As the business grew and secured larger contracts, rising order sizes and customer concentration increased cash flow strain.


      Existing invoice finance failed to scale with growth, limiting stock purchases and restricting the ability to pursue new opportunities. The firm needed a sector‑aware funding partner that could support growth and day‑to‑day operations.



      The solution:

      Close Brothers provided an invoice factoring facility with Bad Debt Protection and a Growth Guarantee Scheme (GGS) top‑up to align funding with rapid growth.


      Factoring released immediate working capital, scaled with turnover, and included credit control support, while Bad Debt Protection helped manage customer non‑payment risk (subject to terms). A GGS top‑up increased overall headroom, enabling the business to fund inventory, meet supplier terms, and take on new distribution contracts.


      The facility has since been increased twice, ensuring funding continues to support the next phase of growth.




       

      Speak to our industry
      experts for more information


      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 invoice discounting 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.




       

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