Invoice finance and bridging finance FAQs.

Invoice finance releases cash tied up in unpaid business-to-business invoices. Once an approved invoice is raised, a percentage can be advanced before the customer pays.

No. It is an advance against invoices already issued. The customer's payment settles the advance rather than the business repaying fixed loan instalments.

Commonly up to 90% can be advanced, with the remaining balance released after the customer pays, less the agreed fees.

Once a facility is live, advances typically reach the business within 24–48 hours of an approved invoice being uploaded.

Invoice discounting can be confidential because the business keeps control of collections. Factoring is usually disclosed because the funder manages credit control.

Factoring includes credit control and collections. Invoice discounting leaves collections with the business and is usually confidential.

Yes. Selective or single-invoice finance lets a business choose individual invoices instead of financing the whole sales ledger.

It is generally designed for UK businesses that sell to other businesses on credit terms. Suitability depends on trading history, invoice quality and the customer base.

Bridging finance is a short-term loan secured against property or land, designed for time-sensitive transactions with a clear repayment strategy.

Completion can often take days to a couple of weeks, depending on valuation, legal work and the strength of the proposed exit.

Common uses include auction purchases, chain breaks, refurbishment, buying before selling, development exits and releasing capital against property.

The exit is how the bridging loan will be repaid, usually through a property sale or refinancing onto a longer-term facility.

No. Submitting an initial enquiry does not leave a footprint on a credit file. Any formal checks take place later, with the applicant's knowledge, if they choose to proceed.

No. An enquiry and any indicative terms are without obligation. A facility only proceeds after due diligence and formal agreement.

Information is used to assess and administer enquiries, carry out necessary identity and credit checks, prevent fraud and comply with legal obligations. More detail is available in the privacy notice.