Fast answer: Yes — but here’s how and what to expect

UK Business Loans is an introducer that helps limited companies access invoice finance and factoring quickly. We collect a few key details via our short enquiry form and match you to brokers and lenders in our panel who specialise in unlocking cash from unpaid invoices. This is a fast, no‑obligation way to compare options without searching the market yourself.

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Compliance note: UK Business Loans is an introducer. We do not lend money or provide regulated financial advice. We will share your details with selected partners who may contact you with offers. Always read lender documentation carefully.

What is invoice finance and factoring?

Brief definitions

• Invoice finance — sometimes called invoice discounting: you borrow against your unpaid invoices so you get most of the cash up front while retaining control of collections in many cases.
• Factoring — a lender (factor) buys or advances against invoices and often handles collections for you. Factoring can be recourse (you remain liable for unpaid debts) or non‑recourse (the factor takes more credit risk).

Why businesses use them

Invoice finance and factoring free up working capital tied in sales, smoothing cashflow, funding payroll, supporting growth, and helping businesses bid for bigger contracts without waiting 30–120+ days for payment.

For more on related options see our commercial finance overview or read about different approaches to invoice funding: commercial finance.

How quickly can you be connected?

Speed depends on two things: how quickly you provide the necessary documents and how complex your debtors, sector or security requirements are. Typical timelines are:

• Enquiry to match: minutes to a few hours — our platform routes your details to shortlisted partners right away.
• Initial contact from broker/lender: often within hours, usually same day during business hours.
• Application to indicative offer: commonly 24–72 hours once documents are provided.
• Funding live: between 48 hours (simple set-ups) and 2–3 weeks (where legal, KYC or debtor onboarding is required).

What speeds things up — and what slows it down?

• Speed up: clear, up‑to‑date invoices; recent bank statements; company ID and rapid responses to questions.
• Slow down: complex debtor structures, international invoices, previous company defaults, or the need for additional security or legal documents.

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Why using UK Business Loans is a fast route

We streamline the search for invoice finance by doing the legwork: our short form captures what lenders need to know, our matching process invites only relevant partners to respond, and brokers who specialise in invoice products can propose competitive, sector‑appropriate solutions.

Benefits:

• Speed — fewer repeated questions, quicker first contact.
• Choice — multiple brokers/lenders can respond, letting you compare offers.
• Confidentiality — we share details only with shortlisted partners.
• No fee to make an enquiry — you decide whether to proceed with any offer.

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What you’ll need to get the quickest response

Preparing the right documents before you complete the enquiry speeds everything up. Have these to hand:

• Details or copies of recent unpaid invoices (or invoice numbers) and the debtor list.
• Basic company information (registered number, trading address, years trading, annual turnover).
• Bank statements for the last 3–6 months.
• Details of any existing invoice finance arrangements or other lending.
• Director ID documents (passport/driving licence) if requested by the lender.

Tip: ensure invoice amounts and debtor names match your bookkeeping — mismatches can delay onboarding.

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Typical costs, terms & risks

Costs for invoice finance and factoring depend on: advance rate, discounting fees, facility fees, service fees and whether the product is recourse or non‑recourse. Because partner pricing varies, comparison is important.

Key points:

• Advance rate: the percentage of invoice value you receive up front (commonly 70–90% depending on debtor quality).
• Discount/fee: a margin charged for the finance — rate structures differ by provider.
• Additional fees: set‑up, administration, and banking costs can apply.
• Recourse vs non‑recourse: non‑recourse reduces your liability but is costlier and depends on debtor creditworthiness.

Risk warnings (important):

• We are an introducer and do not provide regulated financial advice — always read lender terms and consider independent advice if needed.
• Lenders may require security or personal guarantees; offers vary and should be compared carefully.
• Using our service is free; any acceptance of an offer is between you and the lender/broker.

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Common scenarios and timelines

Example 1 — Seasonal retailer

A retailer with predictable invoices used invoice discounting to access cash within 72 hours. Because invoices were to well‑known buyers and paperwork was ready, the broker secured a rapid advance and the business covered seasonal stock purchases.

Example 2 — Public‑sector debtor

A services business with mostly public‑sector invoices benefited from quicker credit checks on debtors; onboarding took a little longer for contractual checks, but funding was arranged within 10–14 days due to the high quality of debtor security.

Example 3 — Specialist or imperfect credit

Companies with complex debtor structures or a history of defaults are usually matched to specialist brokers who may require additional information. Indicative offers can take longer — often a few days to a couple of weeks — but specialist panels improve the chances of a workable facility.

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How we choose the right lenders & brokers

We shortlist partners based on sector experience, invoice finance expertise, product fit and responsiveness. We only share your information with partners likely to be able to help — and never with unrelated advertisers. We recommend you review any lender or broker’s credentials and regulatory status directly.

Note: some partners are regulated; some operate under different models. You should check their status and ask for clarification when contacted.

FAQ

Q: Can UK Business Loans quickly connect me with invoice finance or factoring?

A: Yes. Fill in our short enquiry and we will match your company to relevant brokers/lenders. Initial contact often happens within hours; indicative quotes commonly follow within 24–72 hours.

Q: Can you help me access invoice finance fast?

A: We speed up the search and connection process. The speed of funding then depends on the chosen lender and how quickly you supply documents.

Q: Can you set me up with invoice finance quickly?

A: We arrange introductions quickly. Final setup time (contracts, KYC, debtor notifications) depends on the lender — expect 48 hours to a few weeks.

Q: How soon will I receive funds?

A: Ranges from 48 hours for simple cases to 2–3 weeks for more complex setups.

Other common questions

• Will applying affect my credit score? No — making an enquiry with us does not affect your credit score. Lenders may carry out checks later if you progress.
• Is there a fee to use UK Business Loans? No — our enquiry service is free for businesses; brokers/lenders set their own fees.
• Who will call me? Approved brokers or lenders we’ve matched you with will contact the details you provide to discuss next steps.

Get a free eligibility check and fast matches

Ready to explore invoice finance or factoring? Complete our short enquiry and we’ll match your company with brokers and lenders who can provide fast quotes for facilities of £10,000 and above. There’s no obligation and no fee.

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