crystal kwok 9XsXOdkdxPQ unsplash DUO scaled

Invoice Finance

Time to relieve pressure on your cashflow and give your business the freedom to grow

What is Invoice Finance?

A finance solution to support your business growth and save you time, Invoice Finance enables you to access the value of outstanding customer invoices before they are due. We provide the funding and can offer an optional credit control service where we manage a tailored collections process on your behalf. Our XTRA Time facilities and Selective Bad Debt Protection product can provide peace of mind when you need it most.

Frequently Asked Questions

Invoice Finance is a simple but effective way to get cash running into a business – without having to rely on payment of a customer invoice in order to keep things ticking over.

Sometimes referred to as ‘Invoice Factoring‘ or ‘Invoice Discounting‘, the premise for this funding solution is quite straightforward. Instead of waiting 30, 60 or sometimes 90 days for customers to pay their invoices, Invoice Finance bridges that gap by allowing businesses to access the value of their unpaid invoices.

Funds can be accessed within 24 hours of the invoice being raised, which can help relieve pressure from mounting overheads by keeping the flow of cash moving continuously.

With invoice financing, businesses can get paid faster for finished work and are no longer held back by slow customer payments – making things run smoother all around.

With this immediate access to cash, companies have the financial freedom to ensure suppliers, HMRC and most importantly, employees are paid on time. The additional working capital gives firms more headroom for growth and investment in new equipment or machinery, and personnel becomes more accessible.

Many businesses looking to expand their existing offering or enter new markets find invoice financing especially handy, as it can propel them to achieve these goals earlier than expected.

As a specific kind of asset-based lending, businesses borrow against the value of their unpaid invoices.

At Time Finance, we help firms access up to 90% of the value of their unpaid invoices in just 24 hours, minus our agreed fees.

Because we know that every situation is unique, we tailor our solutions to each business that we work with and regularly review the level of funding to make sure it’s right for them. So, as their business grows, so does the level of funding available.

Talk to the team today about Invoice Finance for your business

Our relationship-driven approach means that we really take the time to understand your business and tailor a facility to suit your business needs.

To give you complete peace of mind and headroom for growth, your dedicated Relationship Manager will regularly review your facility to make sure that it’s suitable for the size of your business, your upcoming work and ambitious growth plans.

To find out more about how our range of financing options could give you much-needed headroom, get in touch with our dedicated team today. 

In itself, invoice financing is a short and medium-term borrowing method that allows businesses to access the value of their outstanding customer invoices.

However, you might also hear a few other names throughout the business finance industry, such as ‘Invoice Discounting’ and ‘Factoring’.

Two of the most commonly used terms are ‘Disclosed Invoice Finance’ and ‘Confidential Invoice Discounting’.

It’s important to remember that although these terms come under the umbrella of invoice financing, ‘Invoice Discounting’ and ‘Factoring’ don’t quite mean the same thing.

Invoice Discounting

Invoice Discounting – or ‘Confidential Invoice Discounting’ – gives businesses the benefit of getting a ‘boost’ or ‘injection’ of cash (up to the value of 90% of the sales ledger) without notifying their customers that we are involved.

It works very similarly to Invoice Factoring, but instead of having one of our credit controllers contact customers, all communications and financial procedures are kept in-house by you.

This is great for businesses who already have the ability to facilitate credit control operations.

As such, we often see companies with the operational processes in place to manage their own credit control choose this form of discreet finance.

If you’re interested in exploring this kind of financial support but are unsure which one will work best for your organisation, we’d be more than happy to help. 


If businesses need a little help in accessing the value of any outstanding invoices, then Invoice Factoring can certainly solve this issue.

Invoice Factoring, also known as ‘Disclosed Invoice Finance’, allows our clients to gain up to 90% of the value of their unpaid invoices within just 24 hours.

Alongside the assistance of a fully-comprehensive credit control service, this product not only frees up time that would otherwise be spent talking to customers about outstanding invoices, but allows businesses to pivot their communications to new and exciting opportunities instead.

This bespoke service can be altered to fit the needs of the business owner, which is especially useful to those who are looking for further support in regards to their sales ledgers – while managing those crucial customer relationships.

At Time Finance, businesses receive a dedicated and experienced credit controller, who will be able to make regular contact with customers on their behalf.

This gives companies some much-needed freedom and flexibility without impacting client retention and loyalty.

Here at Time Finance, we support all kinds of SMEs ranging from start-up businesses to more established firms who are looking for new opportunities.

Whether you are looking to improve your cashflow or access additional working capital for growth, Invoice Finance is a popular choice.

As such, we provide invoice financing across a number of industries and sectors, such as:

  • Manufacturing
  • Recruitment
  • Printing
  • Haulage and Transport
  • Construction
  • Security Services
  • Wholesale

Essentially, if your business trades with other businesses or relies on regular invoices as part of daily operations, invoice financing could alleviate the stress of depending on slow payments – especially while we wait to see the impact of Government plans to tackle the late payment culture.

This solution works well for companies of all sizes, from one man bands to small businesses and larger enterprises, who are facing cashflow challenges as a result of late invoice payments.

As such, Invoice Finance can assist with the day-to-day running of your business – while helping you steer clear of working capital issues.

When it comes to supporting customer relationships, easing overall stress, and nurturing your business growth, Invoice Finance is a great way of releasing working capital otherwise tied up in unpaid invoices.

Accelerate your business growth

When businesses are reliant on incoming funds from customer payments, having to wait up 30, 60 or sometimes 90 days, can hold them back from moving forward with their investment plans. One of the main benefits of Invoice Finance is its ability to give businesses the headroom they need to bring their plans to life.

Invoice Finance gives you the opportunity to grow at a pace that suits you, helping you meet – and even beat – internal timelines thanks to continuous business cash flow.

At Time Finance, we’ve helped hundreds of UK businesses achieve their goals by assisting them with additional funding solutions.

From taking on new contracts and winning more business to investing in new equipment to boost production, Invoice Finance can be used at crucial times to not only innovate, but elevate your operations and overall output.

Relieve daily pressures 

Whatever your size, running a business can be stressful enough without the frustrations of relying on your customers to pay their invoices on time.

Our Invoice Finance solutions give business owners the courage to continue pursuing new contracts and work without being held back by cashflow constraints. We ease the pressure on your cashflow and allow you to chase new and exciting opportunities for your business.

If you are concerned about incurring bad debts, Time Finance offers protection against this to make your invoice financing journey as easy as possible.

Explore our Disclosed and Confidential Invoice Services, complete with Selective Bad Debt Protection product and XTRA Time facilities to see how we can supplement your business plans.

Nurture and sustain key customer relationships 

Chasing payments can certainly be a problem for businesses, in terms of taking up precious time and also potentially weakening your relationships with customers. 

It can be difficult trying to run a business whilst also chasing late customer payments. Using a confidential invoice finance solution can help take the strain off business owners by offering a service which does this for them.

Our confidential service supports businesses by giving you access to up to 90% of the value of an outstanding invoice, giving you more breathing room when it comes to overheads and other bills. We pride ourselves on our professionalism and relationship-driven approach, meaning your business is in safe hands when you opt for our credit control services.

If you already have credit control procedures in place, you can still benefit from our Invoice Finance solutions but your customers will be unaware of our involvement.

Feeling lost? 

Our Business Development Managers are experts when it comes to helping small-and-medium businesses source the best financial solutions for their goals.

If you’d like to find out more about our full range of invoice finance products or are wondering if there’s a way we can tailor an arrangement to suit you, we can help.

Simply drop us an email at or give us a call on 0161 828 8100 to get started. 

As the name suggests, in order to apply for Invoice Finance, businesses working with other businesses have to supply invoices on credit terms for the goods and services they provide.

If you deal directly with other businesses rather than the general public, then Invoice Finance could be the ideal solution for you.

If you’d like to apply for an Invoice Finance facility with us, we’d be more than happy to have a conversation to discuss your needs and start tailoring the best solution for you and your business.

If you have any further questions, you can always use the contact box below to send us a message and we’ll get back to you as soon as possible.

At Time Finance, we pride ourselves on delivering solutions that inspire innovation and growth.

When you work with a member of the Time Finance team, you benefit from our common sense and proactive approach to doing business. We pride ourselves on our openness and responsiveness throughout the entire process.

We’re relationship driven and value the partnerships we build. That’s why we offer an unparalleled level of customer service to business owners and introducers alike. So much so that our clients stay with us for an average of 4 years.

With additional solutions designed to give you further flexibility, we provide support exactly where you need it.

To find out how we can support you and your business with flexible funding solutions, get in touch today.

As an Invoice Finance introducer, we know you’ll want only the very best for your clients.

That’s why we really take the time to understand your client’s needs and package a tailored solution which is right for them. As a relationship-driven funder, we offer an unparalleled level of customer service. So much so that our clients stay with us for an average of 4 years.

We support growth over time, and we regularly review our client’s circumstances to make sure that they have a solution in place which is right for them. We’re passionate about our client’s success, which is why Time Finance is the ideal funding partner for your clients.

Find out how we can support you and your clients by speaking to one of our Business Development Managers today.

By joining Time Finance as an introducer, you’ll not only benefit from introducing one of our financial solutions; you’ll benefit from all of the products we offer here and be rewarded for each successful referral.

If you’re interested in becoming an introducer with Time Finance, we’d love to hear from you.

Please speak with a member of our team today at

See how much capital you could release

Our easy to use calculator helps you see how much cash you could release from your sales ledger. Receive up to 90% of your sales ledger within 24 hours.

Value of your sales ledger:
You could release:
*Subject to formal approval

Interested? Get in touch.

Apply now

Thank you for your message. A member of our team will be in touch shortly. In the meantime, if you're interested in how we use your data please click here

Latest News

haulage driver medium scaled
Haulage company puts growth plans into gear with £250k funding support

We are pleased to announce we have facilitated a six-figure funding boost for a family-run haulage business.

male colleagues discussing cashflow forecasting documents
What are the best practices for cash flow forecasting?

No matter what sector you work in, cash flow shortages can cause plenty of stress. In this guide, we’ll touch on some of the cash flow forecasting best practices.

Tom Chambers
Time Finance welcomes Tom Chambers as Business Development Executive

Time Finance is pleased to appoint its first Business Development Executive, Tom Chambers, to its Invoice Finance team in Reading.