Initial fit
We clarify the timing gap, facility objective, amount required and the route by which the funding will be repaid.
Cashbook Finance is an FCA-registered, UK-based invoice finance and factoring company, supporting businesses with practical funding designed to improve cash flow, strengthen working capital, and create room to grow.
We believe reliable cash flow is
essential to every business —
so we built a simpler way to
unlock the money you've
already earned.
Even profitable companies can feel the squeeze when customers take longer to pay, costs arrive before income, or growth creates fresh demand for stock, staff and equipment. We reduce that pressure by unlocking the value held in unpaid invoices — giving you faster access to money you have already earned.
Some businesses need short-term support to bridge a working-capital gap; others need ongoing funding for expansion, larger orders or seasonal demand. We take time to understand each client's position, challenges and goals before recommending a solution — never one-size-fits-all.
Our approach is built on long-term relationships, transparency and trust. Finance should be straightforward, practical and easy to understand — which means clear communication, honest guidance and real support throughout.
We take pride in understanding the specific pressures our clients face and delivering finance that helps them operate with greater confidence. From the first conversation to ongoing support, our focus is on making invoice finance and bridging simple, accessible and genuinely useful.
In a competitive market, access to dependable cash flow can be the difference between standing still and taking the next opportunity. We help businesses release cash from unpaid invoices, soften the impact of late payments, and create the flexibility needed to grow.
We are committed to a professional service built on integrity, responsiveness and attention to detail — not just providing funding, but helping you manage cash flow and make stronger financial decisions.
Facilities generally range from £10,000 to £1 million and are tailored to each client'scircumstances — never a one-size-fits-all product. Most are in place in as little as 48 hours.
Turn the whole ledger into a revolving funding line that grows with your sales.
Explore invoice financeThe same funding, usually confidential — your customers see no change.
Explore invoice discountingFunding plus a sales-ledger service — we run credit control and collections.
Explore factoringBuilt for recruitment and payroll-heavy firms: wages weekly, client cash monthly.
Explore timesheet financeFund only the invoices you choose — no whole-ledger commitment.
Explore selective fundingOptional cover if a customer becomes insolvent, for an extra fee.
Learn about protectionThe purpose of the process is not to force every enquiry into a product. It is to establish the commercial need, test whether the proposed structure is suitable and explain the next decision clearly.
We clarify the timing gap, facility objective, amount required and the route by which the funding will be repaid.
Relevant invoices, debtor quality, trading history, contracts, management information or property details are reviewed.
Where there is a credible fit, the proposed facility, indicative pricing, conditions and responsibilities are explained.
Subject to approval, documentation and any required checks, the facility is put in place and the ongoing process is agreed.
Use the public tools to understand likely fit, see illustrative structures and review the factors behind pricing and decisions.
Committed to supporting the growth of British business — one invoice at a time.
Honest guidance and clear terms. If a product isn't right for you, we'll say so.
Indicative terms quickly and decisions in days — you deal directly with a director.
Facilities shaped around your sector, your customers and the way you actually trade.
Long-term relationships built on transparency and trust, not a hard sell.
We're an FCA-registered UK lender, and we work the way we'd want a funder towork with us clearly, honestly, and with your interests in mind.
Registered with the Financial Conduct Authority (Reg. 782472) and incorporated in England & Wales (company no. 10723098), funding UK businesses since 2019.
Two simple components — a service fee and a discount charge — agreed in plain terms before you sign. No hidden costs and no surprises.
We only proceed when a facility genuinely fits your business. If invoice finance isn't the right answer, we'll say so — and point you in a better direction.
Your information is handled securely and in line with UK data-protection law. See our privacy policy for the detail.
ICORegistered with the ICO
An experienced executive director with a banking and credit-risk background, leading the firm's lending decisions.
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A business development executive with a Big Four consulting background, leading brand, marketing and growth.
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Speak with our team or arrange a free, no-obligation consultation.info@cashbookfinance.co.uk or 020 3239 0699