London · Greater London
Invoice Finance in London
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 London and across the Greater London.
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At a glance
Invoice Finance in London: 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 London companies use invoice finance
Consultancies, creative agencies, IT contractors and recruitment firms make up a huge part of London's business economy, and most of them bill other businesses on 30 to 60 day terms, sometimes longer when the client is a large corporate. Invoice finance turns those unpaid invoices into cash soon after they are raised: a lender typically advances a large proportion of each invoice, often 80–90%, and releases the balance, less fees, when the customer pays. The facility grows as sales grow, which suits agencies winning bigger retainers and staffing businesses with weekly payroll. Firms can choose factoring, where the lender handles collections, or confidential discounting, where customers need not know. Construction subcontractors can sometimes use it too, although applications for payment and retentions make some lenders cautious. Lenders will review your debtor book and customer concentration first, and many facilities run on a minimum contract term, which we flag before you sign.
Typical examples
Where it helps in London
- 01
Weekly payroll for a recruitment agency
A City recruitment business placing contract staff draws against its invoices each week so it can pay temps before clients settle on 45-day terms.
- 02
Agency with a new corporate retainer
A Shoreditch branding agency wins a large corporate client on 60-day terms and uses invoice finance to cover freelancer costs in the meantime.
- 03
IT services firm scaling up
A managed IT provider in Canary Wharf draws funds against its monthly support invoices to pay for new engineers.
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 London's consultancies, agencies and IT firms
London's economy is built on business-to-business services. Professional, scientific and technical activities account for 930,000 jobs in the capital, or 14.4% of the total, compared with 9.5% across the UK, and information and communication adds another 615,000 jobs (June 2026, Nomis). Financial and related professional services employed about 902,000 people in London in 2023. Consultancies, agencies, recruiters and IT contractors working for large corporate clients often wait 30 to 60 days or longer to be paid, while salaries and freelancers are due every month. Invoice finance releases cash against those unpaid invoices.
Payment rules are set to change. 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 neither is expected before 2027. Until then, where a contract says nothing about interest, statutory interest of 8% above the Bank of England base rate can already be claimed on late invoices. The London Chamber of Commerce and Industry welcomed the crackdown on behalf of the capital's smaller firms.
Source: Farrer & Co, LCCI
Invoice Finance in London: questions
Can a London creative agency use invoice finance?
Often, yes, provided it invoices other businesses and the work is complete when billed. Agencies that bill in advance, or rely heavily on milestone invoices that clients may dispute, may find fewer lenders willing to fund them. Retainers with large, creditworthy corporate clients tend to be viewed more favourably.
Will our London corporate clients know we use invoice finance?
With factoring they usually will, because they pay the lender directly and the lender may chase payment. Confidential invoice discounting keeps the arrangement in the background, so your team keeps handling collections, although it usually needs higher turnover and solid credit control.
Can we fund invoices to London borough councils, NHS trusts or Transport for London?
Generally, yes. Public bodies are usually seen as reliable payers, which lenders like. Check your contract for clauses that restrict assigning debts, and make sure invoices carry the correct purchase order numbers, as missing references are a common reason public sector payments are delayed.
Our IT contracts with City firms run on purchase orders and approved timesheets. Does that help?
It usually does. Lenders prefer invoices backed by a signed contract, purchase order and client-approved timesheet, because they show the work is accepted. If a client uses a supplier portal with a long approval process, lenders may only fund invoices once they are approved, so allow for that in your cash flow.
Can a London company finance invoices to overseas customers?
Some lenders offer export invoice finance for customers in approved countries, often with credit insurance on each debtor. Advance rates may be lower than for UK invoices and invoices in foreign currency need extra checks. Lenders look closely at the customer's location, credit standing and payment history.
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For UK limited companies, LLPs and partnerships of 4+ partners
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