Invoice finance, matched to the right specialist provider
We forward your details to invoice finance specialists across the UK and US who can release cash against your unpaid invoices - typically within days of approval. Free for borrowers, no credit checks from us.
- Introduction in 48 hours
- Free for borrowers
- No credit checks from us
At a glance
- Facility size
- £50k - £20M / $60k - $25M
- Advance rate
- 80% - 95% of invoice value
- Typical term
- 12 - 36 months, renewable
- Security
- Receivables ledger
- Funding speed
- First draw in 7 - 14 days
Invoice finance: Turn unpaid B2B invoices into working capital as you issue them.
What is invoice finance?
Invoice finance is a revolving funding line secured against the value of your outstanding sales invoices. When you raise an invoice, the lender advances a percentage of its value (typically 80-95%) immediately - and you repay when your customer pays. Two main flavours exist: factoring (where the lender also collects on the invoice) and invoice discounting (where collection stays with you). Both keep cash moving in step with sales rather than waiting on payment terms.
Common uses, and who it's right for
Common uses
- Bridge the gap between issuing an invoice and getting paid
- Fund payroll without waiting on customer cycles
- Pay suppliers early to lock in discount terms
- Smooth seasonality in cash flow
- Free up working capital trapped in receivables
Best for
- B2B businesses with 30+ day payment terms
- Trading 6+ months with a stable receivables ledger
- Revenue concentrated across multiple customers (not single-buyer dependent)
- Growth-stage SMEs that find cash tied up in receivables
Not the right fit
- Consumer / B2C revenue (no commercial invoices to fund)
- Single-customer concentration over 60% of revenue
- Recurring SaaS / subscription billing (look at revenue-based finance instead)
Where it usually goes wrong - and how Tenttfinance fixes it
Four typical pain points borrowers hit when shopping for invoice finance - and the way our introducer model is built to remove them.
Where it usually breaks
- You waste days chasing the right invoice finance broker who only quotes from their book
- Hard credit checks from comparison sites leave a footprint
- Generic quotes that ignore your sector or receivables profile
- You don't know which lenders will actually fund versus politely decline
How Tenttfinance fixes it
- We forward your details once to the invoice-finance specialist most likely to fund your situation
- Tenttfinance runs no checks. We collect your information and pass it on - the partner runs their own checks only when you both agree to progress
- We pre-match based on your sector, ledger size, customer mix, and market (UK or US) before any introduction goes out
- We forward to one specialist with active appetite for your situation, not thirty who'll never call you back
How to get matched to a invoice finance specialist
Three steps. Most introductions go out within 48 hours of a complete request.
Tell us about your business
Share the basics - business type, the invoice finance amount you need, use of funds, and timeline. Three minutes. No credit check.
We match and forward your details
We identify the invoice finance specialist most likely to fund your situation and forward your details directly to them - matched to your sector, size, and market (UK or US).
The lender contacts you
The specialist reaches out to you directly with their terms, documentation, and next steps. You take the conversation from there.
Invoice finance - frequently asked questions
The questions we hear most from borrowers exploring invoice finance. If yours isn't covered, start an application and we'll route you to a specialist who can answer it directly.
Is invoice finance the same as factoring?
Factoring is one type of invoice finance. With factoring, the lender also collects on your invoices and is visible to your customers. With invoice discounting (the other main type), you continue to collect yourself and the facility is confidential. Both release cash against the receivable; the difference is who handles the collection and whether the customer sees the lender's name.
How big does my business need to be?
Most invoice finance providers will look at facilities from £50,000 / $60,000 of receivables upward, though some specialty providers will go smaller. There's no upper limit - the largest UK and US receivables programmes run into the hundreds of millions.
What happens if my customer doesn't pay?
It depends on the facility. Recourse facilities require you to repurchase the invoice if your customer doesn't pay. Non-recourse facilities transfer the credit risk to the lender (typically against insured customers). The right structure depends on your customer base and risk tolerance - the specialist we forward you to will walk through the options.
How fast can I draw?
First draw is typically 7-14 business days from accepted offer, depending on how quickly the lender can verify your receivables ledger. After that, drawings against new invoices are usually same-day or next-day.
Do you charge me anything to make the introduction?
No. Tenttfinance is free for borrowers. We're paid by the lender on a placement fee when a facility draws.
Related loan types
Not sure if this is the right fit? Here are other loan types we cover that often come up in the same conversations.
Get matched to the right invoice finance specialist
Tell us what you need. We'll forward your details to the specialist most likely to fund - and they'll reach out to you directly.