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Car Finance

Specialists in Car Finance

We can get you closer to your dream car. Learn more about our financing options here.

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Specialists in Business Finance

Unsure what you’re looking for? Find out what we offer in more depth here.

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We work with a variety of industries, choose yours to see how we can help.

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Home Business Finance Invoice Finance

Invoice Finance

Unlock cash tied up in unpaid invoices and improve your working capital. Invoice finance helps you access funds quickly, keeping your business moving without waiting for customers to pay.

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No Obligation Enquiry

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Tailored Broker Support

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Enquire in Minutes

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Wide Panel of Lenders

Key Takeaways

We know you’re busy, so we’ve put an overview together for you

  • Release up to 99% of invoice value in a matter of minutes
  • Improve cash flow without taking on a traditional loan
  • Flexible funding that grows with your sales ledger
  • Discreet options available with or without credit control

How Does Invoice Finance Work?

Let's take a look at how Invoice Finance works step by step

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Raise Your Invoice

Once you’ve delivered goods or services, you issue an invoice to your customer as normal and send a copy to the lender.

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Receive an Advance

The lender advances up to 90% of the invoice value, typically within 24-48 hours, boosting your cash flow immediately.

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Balance Paid on Settlement

When your customer pays the invoice, the lender releases the remaining balance to you, minus agreed fees.

Is Invoice Finance Right for You?

Invoice finance can be a powerful solution for businesses that invoice other businesses on credit terms. It’s designed to ease cash flow pressure, support growth and reduce the impact of late payments without waiting 30, 60 or 90 days for funds.

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This product might be right for you if...

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You sell to other businesses on credit terms

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You experience cash flow gaps due to late payments

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You want funding that scales with your turnover

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You’ve recently won a new contract with payment terms, creating a temporary working capital gap

This product might not be right for you if...

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You mainly sell to consumers rather than businesses

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You require a one-off lump sum rather than ongoing funding

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Your invoices are low value or issued infrequently

Charles & Dean does not provide financial advice. Please consult your accountant or financial adviser before making a decision.

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Our Funding Process

  • 1

    Discuss Your Funding Requirements

    Talk to one of our Finance Specialists to help us better understand your goals.

  • 2

    Receive a Solution

    Choose a bespoke funding solution proposed by our team and send over the required documents for our lenders.

  • 3

    Get Your Funding

    Once your finance is approved, we work with you and the lender to ensure you can access your funds as soon as possible.

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What To Do Next

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Get a Quote

Fill in the form at the top of the page and one of our team will call you back in as little as 10 minutes to discuss your quote.

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Call Us Now

Our Finance Specialists are available and happy to help you 9am-5:30pm Monday to Friday.

01780 763836
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Read Our FAQs

Still have questions about Invoice Finance? We may have the answer within our FAQs.

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Why Use Charles & Dean?

Why should you choose us to help with Invoice Finance

Why Us 1

Tailored Business Solutions

We work with a wide panel of UK lenders to find competitive invoice finance solutions tailored to your business needs.

Why Us 2

End-to-End Support

You’ll have a dedicated Finance Specialist guiding you from your initial enquiry through to pay out.

Why Us 3

Bespoke Funding Solutions

Every business is different. We structure facilities around your sales ledger, growth plans and operational requirements.

Our FAQs

Common questions about Invoice Finance answered. If you have a question and you can’t see it listed, please call us on 01780 763836 and one of our team will be able to help you.

How quickly can I access funds with invoice finance?

Funds can typically be released within 24-48 hours of raising and verifying an invoice, subject to lender approval and facility setup.

What’s the difference between factoring and invoice discounting?

Factoring includes a credit control service where the lender manages collections. Invoice discounting allows you to retain control of your sales ledger.

Will my customers know I’m using invoice finance?

It depends on the facility. Factoring is usually disclosed to customers, while invoice discounting can often be confidential.

How much does invoice finance cost?

Costs vary depending on turnover, debtor quality and facility size. Fees typically include a service fee and a discount charge.

Is invoice finance considered debt?

Invoice finance is secured against your unpaid invoices. It’s not a traditional term loan but will appear as a liability on your balance sheet.

What is selective invoice finance?

Selective invoice finance allows you to choose which invoices you want to finance rather than committing all of your invoices. This gives you greater flexibility and control over your funding.

Can I use invoice finance as a sole trader?

Yes, many lenders offer invoice finance to sole traders, although eligibility criteria may vary and some facilities are better suited to limited companies.