Improved cash flow

Invoice finance helps unlock cash tied up in unpaid invoices, giving you quicker access to working capital. This can smooth out gaps between invoicing and payment, making it easier to manage day-to-day expenses such as payroll, suppliers, and overheads.

Faster access to funding

Instead of waiting for customers to pay, you can receive a large percentage of invoice value soon after issuing it. This faster access to funds can help you respond quickly to business needs and opportunities.

Supports growth

With improved and more predictable cash flow, invoice finance can give you the confidence to take on new contracts, hire staff, or invest in equipment. It reduces the risk of turning down opportunities due to a lack of available funds.

Flexible funding that grows with you

Invoice finance is directly linked to your sales, so the amount of funding available increases as your business grows. This makes it a scalable solution that can adapt to changing business needs without requiring renegotiation of fixed lending limits

Reduces admin and saves time

With invoice factoring in particular, credit control and collections can be managed by your provider. This reduces the time your team spends chasing payments and handling admin, allowing you to focus more on running and growing your business.

No need for traditional security

Funding is typically based on the strength of your sales ledger rather than property or fixed assets. This can make invoice finance more accessible to businesses that may not have significant physical assets to offer as security.

Case study:

Helping a steel business transition to new ownership with invoice finance

The challenge:

A long-established business was preparing for a management buy-out, with two senior team members set to take ownership as the founders retired.

While well placed to lead the company forward, they needed additional funding to complete the purchase and maintain day-to-day operations. With a small team, it was essential the solution was straightforward to manage and didn’t add pressure to the finance function.

The solution:

A £1 million invoice discounting facility was provided, supported by a Growth Guarantee Scheme top-up. This enabled the business to unlock cash from unpaid invoices as soon as they were raised, rather than waiting for payment. The additional funding created valuable headroom, helping complete the buy-out while supporting ongoing cash flow.

The facility, delivered through an integrated platform, also reduced admin by automating key processes which is ideal for a smaller team needing a simple, efficient solution.

The result

The buy out was successful, with ownership transferring smoothly to the internal team.

With funding in place, the new owners were able to maintain stability during the transition and focus on the future growth of the business.

Business Moneyfacts award winners

Close Brothers Invoice Finance has been named Best Asset Based Lender and Best Service from an Invoice Finance Provider at the Business Moneyfacts Awards 2026. 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.