Apply for Invoice Finance — Quick 2‑Minute, No‑Obligation Form
Summary: If unpaid invoices are slowing growth, invoice finance can free up working capital quickly. Complete our short, 2‑minute, no‑obligation enquiry form and UK Business Loans will match your company with specialist lenders and brokers who can provide free eligibility checks and personalised quotes. We are an introducer — not a lender. Typical funding starts from £10,000 upwards.
Quick facts
- Typical funding arranged: £10,000–£10,000,000 (varies by lender)
- Form time: ~2 minutes (no obligation)
- Response time: often within hours; worst case 48 hours
- Enquiry does not affect your credit score — formal checks only with your consent
How to apply (next steps) — the 2‑minute process
Here’s exactly what happens when you decide to apply for invoice finance via UK Business Loans. The goal: a fast, transparent route from enquiry to quotes so you can choose the best option without unnecessary effort.
Step 1 — Complete our short enquiry form (2 minutes)
Click the Get Quote Now — Free Eligibility Check button below to open the form. We ask for a few essential details so lenders can assess quickly:
- Company name & registration number
- Business turnover band and typical monthly invoiced value
- Average debtor payment terms (e.g. 30/60/90 days) and age of invoices
- Contact name, email and phone (phone optional but speeds contact)
Get Quote Now — Free Eligibility Check
Step 2 — We match your enquiry to suitable lenders & brokers
Using the details you provide, our system and experienced team shortlist lenders and brokers who specialise in your sector and funding size. That shortlist focuses on partners most likely to offer competitive terms for your circumstances.
Step 3 — Lenders/brokers contact you for a free eligibility check
Matched lenders or brokers will contact you by phone or email to confirm details and provide an initial, no‑obligation quote. This step is typically quick — many firms respond within business hours.
Step 4 — Compare quotes and choose
Review the offers, ask questions and compare advance rates, fees and service levels. Formal credit checks and full documentation requests are only made if you instruct a lender to proceed.
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
Step 5 — Approval, onboarding & funding
Once you accept an offer, the lender completes due diligence. After drawdown approval, most invoice finance facilities can release funds within 24–72 hours, depending on the provider and documentation speed.
Button suggestion for your form: “Get Quote Now — 2‑Minute Form”. Under button: “No obligation. We are an introducer, not a lender. Your enquiry won’t affect your credit score.”
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Who we connect you with
UK Business Loans introduces businesses to a broad panel of UK lenders and brokers that specialise in invoice finance and related working capital solutions. We are not a lender — our role is to find the most relevant providers for your needs, saving you time and effort.
Our partners include specialist factoring houses, independent brokers, challenger banks and online platforms that offer:
- Invoice factoring and invoice discounting
- Spot financing for one-off invoices
- Sector-specific solutions (construction, manufacturing, logistics, wholesale and more)
We only share your details with selected partners who are relevant to your enquiry. You remain under no obligation to proceed with any lender or broker introduced.
Complete Our 1-Minute Enquiry Form Now – Get a No-Obligation Quote
What invoice finance types are available & which suits you?
Invoice finance comes in several flavours. The right solution depends on whether you want the funder to handle collections, whether you need cover for debtor risk, and how flexible you need the facility to be.
- Invoice factoring — The funder advances a percentage of invoices and usually handles collections. Good for businesses wanting outsourced credit control.
- Invoice discounting — You retain control of collections and your customers usually don’t know you’re using a funder. Suits businesses that want confidentiality.
- Spot or single invoice finance — Finance for individual invoices without taking a full facility — useful for short-term spikes.
- Recourse vs non-recourse — Recourse means you remain liable if a debtor fails to pay; non-recourse shifts more bad debt risk to the funder (usually more costly).
For more detail about invoice finance options and examples, see our related resource on invoice finance.
Typical timescales, costs & what affects rates
Timescales:
- Enquiry to match: usually within hours
- Lender contact: often within hours, sometimes up to 48 hours
- Formal approval: typically a few days (depends on checks and documents)
- Funds released after approval: commonly 24–72 hours
Costs depend on the lender and business risk profile. Key cost elements include:
- Advance rate: percentage of invoice you receive upfront (commonly 70–90%).
- Discount fee / interest: charged on the advanced amount for the period until receipts.
- Service / admin fees: facility fee, account management or credit control charges.
- Bad debt / non‑recourse premiums: if debtor risk protection is included.
Note: Rates and fees vary significantly by lender and by the creditworthiness of your customers — completing our form will let lenders provide a personalised, no‑obligation quote.
Documents & information lenders typically request
Having these ready speeds the process:
- Copies of recent invoices you want financed
- Debtor list and typical payment terms
- Company registration number and directors’ details
- Recent bank statements and management accounts (or statutory accounts)
- Copies of major contracts or purchase orders (if relevant)
Tip: A clear debtor ledger and a recent bank statement usually help get faster indicative quotes.
Eligibility & common concerns
Who can apply: limited companies and LLPs with invoices owed by creditworthy UK businesses. Typical minimum facility size starts at around £10,000. (We do not arrange very small consumer-style loans.)
Our Business Finance Matching Process
Step 1
Complete Your Details
It takes just 1 minute on average to complete your business and contact details.
Step 2
We Match Your Business
With the best business finance broker or lender most suitable for your needs.
Step 3
You Get Free Quote + Advice
You receive a free quote along with complimentary expert financial advice.
It’s fast and free to get a quote from one of the UK’s leading finance brokers / lenders who will contact you directly with your quote/s.
Credit history: many specialist lenders consider businesses with imperfect credit histories, but terms vary. Start-ups or businesses with limited trading history may be considered if their debtors have strong credit profiles.
Data protection: we only share your details with selected finance partners relevant to your enquiry. Your information is handled securely — see our Privacy Policy for details.
Why use UK Business Loans to apply for invoice finance?
One short form, multiple providers. We save you time by matching your enquiry to lenders and brokers who specialise in your sector and funding size. Our service is free and there’s no obligation to proceed after you receive quotes.
We’re introducers — not lenders. That means independent matching and no hidden fees for using our service. When you complete the enquiry, lenders/brokers contact you directly with tailored quotes.
FAQ — short answers
- What are the next steps to apply for invoice finance via UK Business Loans (2‑minute form, no obligation)?
- Complete our 2‑minute form, we match you to suitable lenders/brokers, they contact you with free eligibility checks and quotes — no obligation to proceed.
- What’s the next step to apply for invoice finance with UK Business Loans (a quick, 2‑minute, no‑obligation form)?
- Click the form link, enter basic business and invoice details, then await contact from matched providers.
- How do I proceed to apply for invoice finance through UK Business Loans (2‑minute, no‑obligation form)?
- Start with the enquiry form. After reviewing initial offers you can request formal applications with your chosen lender — only then are credit checks likely to occur.
- Will completing the form affect my credit score?
- No. Completing our enquiry does not affect your credit score. Lenders may carry out checks only with your consent during a formal application.
- How quickly will lenders contact me?
- Often within a few hours during business hours; sometimes within 48 hours depending on the lender and the details supplied.
- Does UK Business Loans charge to match me?
- No. Our service is free for businesses to use. Lenders and brokers set any fees related to their funding solutions.
- What if I don’t want to be contacted by phone?
- Include your contact preferences in the form — lenders will respect your stated preference where possible, though phone contact can speed the process.
Ready to get a free quote? Start the 2‑minute form now.
Get Quote Now — Free Eligibility Check
No obligation. We are an introducer, not a lender. We will only share your details with selected lenders and brokers who may contact you by phone or email. See our Privacy Policy for full details.
1. What is invoice finance and how can it help my UK business?
Invoice finance lets you release cash tied up in unpaid invoices so you can improve cash flow and fund growth without waiting for customer payments.
2. How do I apply for invoice finance via UK Business Loans and is the form an application?
Complete our quick 2‑minute, no‑obligation enquiry form and we’ll match you to suitable lenders and brokers—the form is only for matching and not a formal application.
3. Will submitting the enquiry form affect my credit score?
No — completing the enquiry does not affect your credit score; lenders may only run formal checks with your consent during an application.
4. How quickly will lenders contact me and how fast can I get funding?
Matched lenders or brokers typically contact you within hours (up to 48 hours worst case), and funds are often released 24–72 hours after formal approval and due diligence.
5. What funding amounts are available through invoice finance?
Typical invoice finance facilities start around £10,000 and can range up to several million pounds depending on the lender and your debtor profile.
6. What’s the difference between invoice factoring and invoice discounting?
Invoice factoring involves the funder handling collections and credit control, while invoice discounting lets you retain collections and often keeps the arrangement confidential from customers.
7. What costs and fees should I expect with invoice finance?
Costs typically include an advance rate (70–90% upfront), discount/interest on the advanced amount, plus facility, service or credit control fees and possible non‑recourse premiums for bad‑debt cover.
8. Who can apply for invoice finance and can start‑ups or businesses with poor credit apply?
Limited companies, LLPs and many start‑ups can apply if they have invoices owed by creditworthy UK businesses, and some lenders consider businesses with imperfect credit depending on debtor strength.
9. What documents and information do lenders usually request to provide a quote?
Lenders commonly ask for recent invoices, a debtor ledger, company registration and director details, recent bank statements and management or statutory accounts, and relevant contracts or POs.
10. Is UK Business Loans free to use and are the lenders you introduce regulated?
Yes — our introducer service is free and we connect you only with reputable, FCA‑regulated brokers and lenders who are responsible for final terms and decisions.