Invoice Finance

What is Invoice Finance?

Invoice finance refers to a service that allows you to raise funds against unpaid invoices, giving you immediate access to cash flow without having to wait for your customers to pay. This is a popular method for businesses that experience delays in payment. By using your outstanding invoices as collateral, you can close the gap between invoicing and payment and provide a boost to your working capital.

At Pathfinder, we provide invoice finance UK businesses can trust, delivering fast, flexible solutions tailored to your needs and goals. Get in touch today to start your journey towards simpler cash flow management and stronger financial stability.

Types of Invoice Finance

Invoice Factoring

A full credit control service, managing payments on your behalf.
Arrangements disclosed to your customers, as they interact directly with the provider.
Ideal for businesses that lack the time or resources to manage their invoice admin.
Access funds quickly, often on the same day invoices are raised.
A combined solution for cash flow management and credit control.

Invoice Discounting

Confidential invoice finance service, with no disclosure to your customers.
Retain full control of your ledger management and customer relationships.
Access funds 24/7, enabling immediate use of cash from new invoices.
Well-suited for businesses with strong credit management systems in place.
A discreet solution without external involvement in client communications.

Benefits of Invoice Finance

Invoice finance offers several key benefits for businesses looking to improve cash flow and streamline their operations, providing an efficient way to unlock the cash tied up in unpaid invoices. By giving you immediate access to working capital without waiting for customers to settle their accounts, this can be a lifeline to cover operational costs, pay suppliers and take advantage of growth opportunities when facing cash flow gaps.

Quick access to funds: Unlock cash tied up in unpaid invoices to cover your immediate business needs.
Flexibility: Tailored solutions to suit your business, whether you’re a small start-up or a rapidly growing company.
Scalability: As your business grows, invoice finance can easily grow with you, adapting to your changing needs.
Efficiency: Streamline your financial operations with quick access to your funds and the flexibility to manage your cash flow with ease.
Improved cash flow: Meet day-to-day expenses, pay suppliers and fund growth without delays.

Costs to be Aware of

While business invoice finance is an excellent tool for cash flow management, it’s important to understand the costs involved, including:

Interest rates: These vary based on the financing amount, value of invoices and the provider’s terms.
Processing fees: May include charges for setting up the service or handling individual invoices.
Credit check fees: Some invoice finance lenders charge for assessing the creditworthiness of your customers.
Account management fees: Ongoing charges for managing your payments, typically found with invoice factoring services.
Additional fees: Even the best invoice finance providers may charge additional fees for certain services like debt collection or advanced reporting tools.

Is Invoice Finance Right for My Business?

Invoice finance can be the right choice for businesses in need of quick and flexible funding. Consider the following questions to determine if it suits your needs:

Are you a UK-based company?
Do you regularly invoice other businesses?
Do you experience cash flow gaps?
Would quick access to funds help you cover expenses or invest in expansion?
Are you looking for a scalable solution that grows with your needs?

If you answered “yes” to these questions, invoice finance could be the perfect solution for you

At Pathfinders, we deliver flexible invoice finance UK-wide to help businesses manage their capital, streamline their cash flow and reach their growth goals. Contact us today for a free, no-obligation quote.

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“We used the team at Pathfinder Invoice Finance to help us raise capital to purchase a business and provide ongoing working capital. Their knowledge of funders who support the construction industry was extremely helpful and their honest advice and support was and still is invaluable. They are always on hand to assist us if we need it. We would highly recommend Pathfinder to anyone looking for business finance and have already referred other clients to them.”
Josh Eiles-Clark, Group Managing Director, Wood Mace Ltd

“We were looking for a facility to support our growth plans post-pandemic. With large investments in inventory and machinery to support a ramp up, we needed to ensure we had access to funds to support all aspects of our supply chain and customer ambition. We wanted some independent advice and support to find the right facility for the business. The team at Pathfinder took the time to understand our business needs and infrastructure, resulting in providing us with exactly the right solution for the company, both from a financial and relationship perspective. I would highly recommend them for any business related finance advice.”
Peter, Managing Director, Engineering Business

“We found ourselves requiring a specific credit insurance and funding solution for one of our long-standing clients. They took the time to really understand what was required, analysed what was available across the whole market, and subsequently provided an excellent bolt-on solution to our existing finance partner’s services. This was all done in a relaxed and friendly manner with minimal red tape. Both the client and I are very happy with the solution they delivered. I would thoroughly recommend a chat with Pathfinder should you have any business finance related conundrums, no matter how big or small.”
Robert Bond, Managing Director, Bond Williams.