Within a 70% illustrative LTV reference point.
0%70% reference100%
Invoice finance · Bridging financeTwo ways to fund
Two ways to fund
your next move.
Two specialist funding lines from one FCA-registered UK lender — invoice finance that releases the cash you've already earned, and short-term bridging secured on property.
A 15-minute call, no obligation either way
Invoice#INV-2048
Approved90%advanced
Advanced to you£45,000In your account in 24–48 hrs
Advanced 90%Balance 8%Fee ~2%
Invoice value£50,000
Balance on collection£4,000
Balance released when your customer pays, less a ~2% fee.
0
Maximum invoice advance
0
Invoice to cash
£10k–£1m
Facility size
0
Funding clients since
A clearer route
Find the right answer in four steps.
Choose the funding route that matches the problem, understand how it works, check likely fit, then decide whether to enquire.
Choose the funding route
Two complementary solutions.
Different jobs, one direct relationship. Most clients come for one — and it's good to know the other is there when the situation changes.
Cash in 24–48 hoursUp to 90% of each invoice, released as you raise it.
Grows with your salesA revolving line that scales with the ledger — no re-application.
No property requiredSecured mainly on the debtor book, not bricks and mortar.
Extras if you want themFactoring, credit control and bad-debt protection — optional.
Invoice financeExplore invoice finance →
Cash from your ledger
Funding built on the invoices you've already raised —not a lump-sum loan with monthly repayments.Confidential discounting, factoring, and timesheet finance.
90%UP TO
48hTO CASH
UP TO£1mFACILITY
Secured on propertyA first or second charge on residential, commercial or land.
Short-term by designTypically 3–24 months, repaid in a single move.
Fast to completeFunds in days to weeks — at the pace deals move.
Built around the exitRepaid by sale or refinance, agreed before it begins.
Bridging financeExplore bridging finance →
Property-backed lending
Short-term loans secured on property — for auctions, chain breaks, refurbishments and development exits. Interest can be rolled up, so there may be nothing to pay monthly.
DaysTO COMPLETE
3–24mTERMS
1st/2ndCHARGE
Route 1 · Invoice finance
You can be profitable on paper and still run out of cash.
Most B2B sales are made on credit — 30, 60 or 90-day terms, often paid late. The costs of delivering the work leave long before the cash arrives. Every unpaid invoice is, in effect, an interest-free loan to your customer.
Read the FAQ →A £50,000 invoice · 30-day terms
Without30+ days of waiting
CashbookFunded in 24–48h
An advance of £45,000 the next working day —the balance follows on collection, less a clear fee.
Invoice finance · Choose the structure
Invoice finance, shaped to your business.
We release up to 90% of each invoice within 24–48 hours of it being raised —the balance, minus fees, follows when your customer pays. One family of products, one idea.
Invoice finance
Turn the whole ledger into a revolving funding line that grows with your sales.
Explore invoice financeInvoice discounting
The same funding, usually confidential — your customers see no change.
Explore discountingFactoring
Funding plus a sales-ledger service —we run credit control and collections.
Explore factoringTimesheet finance
Built for recruitment and payroll-heavy firms: wages weekly, client cash monthly.
Explore timesheet financeSelective / single invoice
Fund only the invoices you choose —no whole-ledger commitment.
Explore selective fundingBad-debt protection
Optional cover if a customer becomes insolvent, for an extra fee.
Learn about protectionFactoring vs invoice discounting
Both release most of an invoice's value early — the difference is who runs collections.
Compare
Factoring
Discounting
Credit controlWho chases payment
We chase for you
You keep collecting
Customer awarenessDo customers know
Customers may know
Stays confidential
Best whenThe right fit
You want admin lifted
You'd rather keep it in-house
Cash released
● Up to 90% in 24–48h
● Up to 90% in 24–48h
Invoice finance · How it works
From invoice to cash, in four steps.
1
Quick set-up
We review your business, customers and ledger, then agree the advance rate and pricing.
Once — days, not months2
Invoice as normal
Deliver the work and raise invoices exactly as you do today. They upload or sync in seconds.
Often automatic3
Cash arrives
Up to 90% of each approved invoice lands in your account.
Within 24–48 hours4
Customer pays
The balance is released, minus a simple fee — and your headroom refreshes for the next invoice.
Ready to go againWorked example — a £50,000 invoice on 30-day terms
Day 0 — raised
£50,000
You invoice a customer on 30-day terms.
Day 1–2 — advanced (90%)
£45,000
Lands in your account within 24–48 hours.
Day 30 — balance
£4,000
The held-back £5,000 less a ~2% fee, on collection.
Total cost ≈ £1,000 (about 2% of the invoice) for having £45,000 roughly 28 days early — you receive £49,000 in all.The fee is the price of having the cash now, not next month.
All figures illustrative only: a discount charge of around 2% of the invoice value. Actual advance rates and pricing vary by business, sector, customers and facility type.
Invoice finance · Estimate the outcome
See exactly what you'd receive.
Pick the amount you want to fund.You'll see up to 90% advanced within 24–48 hours,then the balance released when your customer pays— less a discount charge of around 2%.
Apply for a facility →No obligation — and no impact on your credit score to enquire
Amount you want to fund£50,000
Advanced nowBalance on collectionDiscount charge ~2%
Advanced within 24–48 hours 90% of the invoice£45,000
Balance on collection the held-back 10%, less the fee£4,000
Discount charge around 2% of the invoice−£1,000
Total you receive£49,000
Illustrative only — based on a 90% advance and a discount charge of around 2% of the invoice value.Facilities from £10k to £1m; actual rates depend on your sector, customers and terms.
Invoice finance · Check likely fit
Five quick signs it's worth a conversation.
Tick what sounds like your business.
You sell to other businesses on credit termsCustomers take 30, 60 or 90 days to payYou're growing — or turning down work for cashTypically £50k+ turnover and 6+ months tradingPayroll, VAT and suppliers won't wait for late payers
Tick the boxes that apply…
Talk to a director →Route 2 · Bridging finance
Funding at the speed of the property deal.
Short-term loans secured on property — for auctions, chain breaks, refurbishmentsand opportunities that can't wait for a mortgage. The opportunity is here now — a mortgage isn't.
Auction completion
28 days
The deadline once the hammer falls — and it won't move.
vs
A typical mortgage
8–12+ wks
Application, underwriting and valuation before funds.
Auction purchase
Complete inside the 28-day deadline; refinance follows at leisure.
Chain break
Stop an onward purchase collapsing when a buyer pulls out.
Refurbishment
Fund works a mortgage won't touch yet, then refinance or sell.
Development exit
Bridge expiring development finance to the sale or refinance.
Below-market deal
Move fast on a price that reflects a vendor who needs speed.
Business raise
Release short-term capital against property, with a defined exit.
Enter two figures
Bridging structure check
Move the sliders to test the relationship betweenproperty value and requested gross loan.
Illustrative structureRequested LTV65% Equity remaining£175,000 Headroom to 70% LTV£25,000
Property value less the requested gross loan.
Illustrative capacity before a 70% reference point.
Illustrative only. Valuation, property type, location, borrower, charge position, legal work, interest, fees and the repayment exit all affect the amount and terms available.
Who we help
Funding built around how your sector gets paid.
Start with the commercial timing gap.These guides explain common cash-flow pressures, likely documentation and the structures worth considering.
Delivery costs before client payment
Funding options for consultancies, agencies and other B2B service firms.
Professional-services guidance →Payroll, supplier costs and formal payment cycles
Funding guidance for healthcare staffing, services and B2B suppliers.
Healthcare guidance →Payroll before client payment
How timesheet and invoice-backed funding may support temporary-worker payroll cycles.
Recruitment guidance →Supplier payments and confirmed orders
How trade and invoice finance can work across the purchase-to-payment cycle.
Wholesale guidance →Materials, production and customer terms
How trade and invoice finance may support the manufacturing cycle.
Manufacturing guidance →Applications, valuations and delayed payment
What must be assessed before construction receivables can support a facility.
Construction guidance →Also regularly supporting
Logistics & transportEngineeringFacilities managementSecurity & cleaningFood & beverageAgricultureTechnology & media
Not listed? Sector is only one part of the decision. We assess the receivable, customer quality, transaction structure and credible repayment route.
Why Cashbook
A funder that answers the phone, and means what it quotes.
Established & accountable
A UK lender at Hay's Galleria, London SE1. FCA-registered (reg. 782472), funding clients since 2019.
Decisions, fast
Indicative terms quickly and credit-backed decisions in days — the same direct approach on both lines.
Two solutions, one partner
Property-backed bridging and ledger-based invoice finance under one roof — up to around £1m.
A named director
Direct access to a company director from first enquiry to funding — and beyond. No call centre.
Built around your deal
Each facility fits how it works in practice — the exit on a bridge, the ledger on invoice finance.
Honest about fit
If a product isn't right for you, we'll say so quickly and point you to what is.
The honest bit
If it isn't right, we'll say so.
Invoice finance costs more than secured bank debt, and bridging costs more than a mortgage — each only makes sense in the right situation.We'd rather give you a straight answer than a hard sell, even if that means pointing you elsewhere. It fixes timing, not fundamentals.
Next steps
Whatever you're funding, start with a conversation.
A 15-minute call gives you a clear, honest view on fit andindicative pricing — for bridging or invoice finance.No obligation either way.
1
Tell us the situationA property deal and its exit, or your invoices and customers —a few lines is enough.
2
A quick, honest viewWe confirm fit, the right product and indicative pricing, typically within days.
3
Funding flowsBridging completes to your deadline; invoice finance funds within 48 hours of approval.
Get an indicative quote
No obligation. No impact on your credit score to enquire.
Thank you — we're on it.
A director will be in touch within one working day. If it's urgent, call us on 020 3239 0699.