Liverpool · North West
Invoice Finance in Liverpool
Draw typically 80–90% of approved invoices instead of waiting 30–90 days to be paid. For limited companies, LLPs and 4+ partner partnerships in Liverpool and across the North West.
See what your company can borrow
Step 2 of 3 · about 60 seconds
About 60 seconds · No impact on your credit score · No obligation
Prefer to talk? 020 8609 3897- A growing panel of UK business lenders
- No broker fee: we are paid by the lender
- A dedicated relationship manager from start to finish
- Eligibility check won’t affect your credit score
- Dedicated relationship manager
- Compare offers from our lender panel, where available
At a glance
Invoice Finance in Liverpool: at a glance
Typical terms: Ongoing facility
around 1–2 weeks
- Limited companies, LLPs and 4+ partner partnerships
- Often 6+ months trading
- Invoices
- 1
Tell us what you need
3 taps: purpose, amount, business type. Takes 60 seconds, won’t affect your credit score.
- 2
We match you to lenders
Apply just once. We check your profile against lender criteria and approach only those likely to consider it.
- 3
Compare any offers
Compare the rate, fees, security and any personal guarantee side by side before final decision.
Lenders we work with
Local insight
How Liverpool companies use invoice finance
Freight forwarders and hauliers working out of Liverpool typically pay for fuel, drivers and shipping lines within days, yet often wait 30, 60 or even 90 days for their own customers to settle. That mismatch is exactly what invoice finance addresses. Once a job is invoiced, a provider advances an agreed share of the value, releasing the rest, less fees, when the customer pays. Smaller logistics firms often choose factoring, where the provider manages credit control, while larger businesses tend to prefer confidential invoice discounting. The same approach helps component suppliers to the region's car industry and firms serving the city's hospitals and research institutions. Facilities grow with your sales ledger and can often be set up in one to two weeks, subject to the provider's checks. Welcome Finance works with Merseyside companies entirely by phone and video.
Typical examples
Where it helps in Liverpool
- 01
Haulier using factoring
A regional haulage company factors its invoices so drivers and fuel are paid weekly, with the provider handling collections from customers.
- 02
Freight forwarder on confidential discounting
A forwarding business keeps its own credit control while drawing funds against invoices to importers across the North West.
- 03
Automotive component supplier
A manufacturer supplying parts to vehicle makers releases cash from 60-day invoices to buy materials for the next production run.
The process
How it works
- 01
You invoice your customer
Carry on trading as normal and raise invoices to your business customers.
- 02
Lender advances most of the value
Lender advances an agreed percentage of approved invoices, often within 24–48 hours.
- 03
Your customer pays
Your customer pays, either to the lender or into an account the lender controls
- 04
You receive the balance
The lender releases the remaining balance to you, minus its fees. The facility then keeps running as you raise new invoices.
Calculator
Run the numbers
Estimated cash released
£127,500
- Service fee / month
- £2,250
- Discount charge / month
- £558
- Indicative total cost / month
- £2,808
Illustrative only. Actual rates, fees and terms depend on your circumstances and the lender. This is not an offer of finance.
Local insight
Invoice finance for Liverpool's port and service businesses
Liverpool's economy runs on business-to-business work. In 2023 the city region's maritime sector generated £2.0 billion of output and supported about 38,200 jobs, while financial, professional and business services employed about 96,000 people. Hauliers, freight forwarders, shipping agents and consultancies often pay their own costs within days but wait 30, 60 or more days for customers to settle. Invoice finance releases most of an invoice's value once it is raised.
Large public payers matter here too. Health and social care stood out for job growth in the city region, adding about 22,000 jobs between 2015 and 2023. Suppliers to NHS trusts, councils and universities usually get paid reliably, but purchase order and approval processes can stretch payment times, which leaves cash tied up in invoices.
Source: LCRCA
Payment rules are changing. In March 2026 the government confirmed plans for a 60-day ceiling on payment terms when larger businesses buy from smaller suppliers, and for statutory late-payment interest to apply to all business contracts, though not before 2027. Until then, where a contract says nothing about interest, you can already claim statutory interest at 8% above Bank of England base rate on late invoices.
Source: Farrer & Co
Invoice Finance in Liverpool: questions
Is invoice factoring suitable for a small Liverpool haulage company?
Factoring is common in haulage because the provider handles credit control and chases payment, which saves time for a small office team busy with drivers and loads. Providers will look at the quality of your customers, how spread out your sales ledger is and whether you use proof-of-delivery paperwork. Funding is subject to status and the provider's checks.
Can freight forwarders fund invoices that include duty paid on behalf of clients?
Some providers will fund invoices that include disbursements such as import duty and VAT paid for clients, while others exclude those amounts or advance a lower percentage against them. Because duty can be a large share of a forwarder's invoice, raising this early helps make sure the facility matches how you actually bill your customers.
We supply Liverpool NHS trusts and universities. Will providers fund those invoices?
Public sector customers are generally seen as reliable payers, so many providers are happy to fund their invoices. Providers will check your contract terms, how invoices are approved and whether purchase order numbers are always quoted, as missing details are a common cause of delays. Framework agreements with long payment terms may affect how much is advanced.
Can a Merseyside shipping or export business fund invoices to overseas customers?
Some providers offer export invoice finance, funding invoices to customers abroad in countries they are comfortable with. They may ask for credit insurance, set lower advance rates for certain countries or require invoices in particular currencies. Domestic and overseas invoices can often sit within one facility, though terms vary between providers.
Will our customers in the Liverpool port community know we use invoice finance?
Not necessarily. With confidential invoice discounting you keep collecting payments yourself and customers are not usually told, although providers typically require a larger turnover and good credit control records. With factoring the provider collects payment, so customers will be aware. Many hauliers and forwarders use factoring openly because it is common in the sector.
More finance in Liverpool
Invoice Finance in other cities
Check in 60 seconds
Check your eligibility
For UK limited companies, LLPs and partnerships of 4+ partners
- No impact on your credit score
- One request, several lenders: we’re a broker, not a lender
- For UK limited companies, LLPs and partnerships of 4+ partners
- No fee to you: we’re paid by the lender
Step 2 of 3 · about 60 seconds