Free Eligibility Check & Quick Invoice Finance Quotes

Short answer: Yes — you can get a free eligibility check and a fast, no‑obligation invoice finance quote via UK Business Loans. We don’t lend directly; we match limited companies and growing businesses (typically seeking £10,000 and above) with specialist lenders and brokers who can provide rapid indicative quotes. Complete a short enquiry and we’ll connect you to the best partners to review your case. Ready to start? — Get Quote Now (free eligibility check).

Quick answer — can I get a free eligibility check or quick quote?

Yes. UK Business Loans provides a free eligibility check and will arrange quick, indicative invoice finance quotes from lenders and brokers who specialise in unlocking cash tied up in unpaid invoices. Our service is an introducer — we match your business to suitable partners based on the details you provide. There is no fee to use our matching service and no obligation to accept any quote. Most businesses receive initial contact and indicative pricing within hours during working days; formal offers require standard lender checks and documents.

Ready to receive an indicative quote? Click here to start a quick enquiry: Free Eligibility Check.

What is invoice finance (brief explainer)

Invoice finance is a way to convert unpaid customer invoices into immediate cash. Instead of waiting 30–120 days for customers to pay, a financier advances a percentage of the invoice value up front, then releases the balance when the invoice is settled (minus fees).

• Invoice factoring: The funder usually takes responsibility for collections and advances funds against your entire ledger.
• Invoice discounting: You retain control of sales ledger and collections; the facility is often confidential to customers.
• Selective/spot finance: Finance for specific invoices only — useful if you don’t want a whole-ledger facility.

Invoice finance is commonly used to smooth cash flow, meet payroll, win larger contracts, or invest in growth without taking on longer-term debt.

How UK Business Loans can get you a quick, free eligibility check — step by step

We make the process fast and low-friction so you can focus on your business.

1. Complete our short enquiry (under 2 minutes): provide core facts about your business and the invoice(s) you want to finance.
2. We match: our platform matches you with lenders and brokers that specialise in your sector and the type of invoice finance you need.
3. Partner contact: matched partners contact you for a short chat and may request a few supporting documents.
4. Receive indicative quotes: partners provide rapid, indicative pricing and terms so you can compare options.
5. Proceed if you choose: you decide which offer to pursue. If you accept, the chosen lender will complete full checks and, if successful, fund the facility.

Quick action: Ready to check eligibility? Get Quote Now — it only takes a couple of minutes.

What information we ask for (form fields)

• Company name and contact name
• Business email and phone number
• Company registration number (optional)
• Annual turnover (range)
• Typical monthly debtor ledger / age of invoices (ranges)
• Which service? (invoice factoring / invoice discounting / selective / other)
• Brief description of the invoices to finance (key customers, payment terms)
• Consent to share details with lenders/brokers

No‑obligation, no‑hard‑credit‑check explanation (compliance)

Submitting an enquiry is a soft, no‑obligation step and does not affect your credit score. We use the information you provide to match you with appropriate lenders and brokers; any formal credit checks are performed later by lenders only with your knowledge and consent. Important: we are not a lender — we introduce you to lenders and brokers who may provide quotes.

Typical response times & what to expect from quotes

How quickly you’ll receive a quote depends on the partner and the complexity of your case:

• Initial contact: often within a few hours during business days.
• Indicative quote: many lenders can provide an indicative quote the same day after a short call.
• Formal offer: after document checks and underwriting this can take several days to a few weeks depending on complexity.

An indicative quote typically includes:

• Advance rate (percentage of invoice value payable up front)
• Discount or funding fee (expressed as a percent or APR equivalent)
• Service or admin fees (if applicable)
• Minimum and ongoing terms (notice periods, termination fees)
• Any eligibility conditions (e.g. concentration limits on any single debtor)

Indications are for comparison only; final terms follow full due diligence.

Who can use invoice finance — sectors & scenarios

Invoice finance suits limited companies that trade on credit terms and have unpaid invoices to credit-worthy customers. Typical users include:

• Construction sub-contractors and suppliers — to cover long supplier payment cycles.
• Manufacturers and wholesalers — to free up cash for materials and production.
• Retailers and e-commerce businesses — seasonal stock or expansion funding.
• Logistics and distribution — bridge gaps between deliveries and customer payment.
• Recruitment agencies — to pay payroll while waiting for client invoices.

If you want to learn more about the product itself and how it could work for your business, see our detailed page on invoice finance.

Costs explained — fees, margins, transparency (what a quote usually includes)

Quotes should be transparent and list the key cost components. Common costs include:

• Discount fee / funding margin: the primary cost charged to finance each invoice.
• Facility or arrangement fee: a one-off fee to set up the facility (sometimes waived).
• Service/admin charges: ongoing account maintenance or ledger management fees.
• Interest or commitment fee: for unused lines in some facilities.
• Termination fees: charges on early exit in some agreements.

When you receive quotes from partners via UK Business Loans, you’ll be able to compare advance rates and all fees side‑by‑side so you can see the true cost. We encourage you to ask for an illustrative example using one of your invoices to compare net cash received and total charges.

After you submit — matching, lender contact, comparing offers

Once you hit submit:

1. We share your enquiry with selected partners who best match your profile.
2. Partners will contact you to confirm details and may request a small number of documents (invoices, bank statements, company info).
3. You’ll receive indicative quotes to compare. Use these to assess advance rates, fees, service levels and speed of funding.
4. If you accept an indicative quote, the lender will carry out full checks and provide a formal agreement. Once signed and checks complete, funding is arranged.

Want to see competitive quotes quickly? Start here: Get Started — Free Eligibility Check.

Real examples — 2 short case studies

Construction subcontractor: A regional subcontractor had £150k in 60–90‑day invoices. After a free eligibility check, they were matched with a specialist factoring broker. They received an indicative advance of 80% within 24 hours and consistent weekly funding thereafter, enabling them to pay suppliers and take on a larger contract.

Manufacturer: A SME manufacturer with seasonal demand used selective invoice discounting to fund two large orders. A matched lender provided a rapid quote and funded the invoices individually — allowing the business to scale production without diluting ownership.

Frequently asked questions

Is the eligibility check really free?

Yes — our introduction service and the initial eligibility check are free and carry no obligation.

Will my credit score be affected?

No. Submitting an enquiry does not affect your credit score. Lenders may carry out credit checks later with your consent.

How fast will I get an actual quote?

Many businesses receive an indicative quote within hours to 48 hours. Formal offers take longer depending on documentation and underwriting.

What documents will lenders ask for?

Typically recent invoices, bank statements, company registration details, and sometimes management accounts or ID for company directors.

Do you lend the money directly?

No — UK Business Loans is an introducer. We match you to lenders and brokers who provide the finance.

What is the minimum amount I can look for?

We generally help businesses seeking facilities from around £10,000 upwards.

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 will you share my details with?

Only selected, trusted lenders and brokers who we believe can help your business. All data-sharing is governed by our Privacy Policy and the consent you provide on the form.

Next steps & final notes

Ready to check your eligibility and receive quick invoice finance quotes? — Get Quote Now (free, no obligation).

Important: UK Business Loans is an introducer and not a lender. We connect businesses with lenders and brokers to help you obtain finance; submitting an enquiry does not guarantee a loan. Your details are shared only with selected partners to obtain quotes and in line with our privacy policy.

Trust cues: Free eligibility check • No obligation • For companies seeking £10k and up • Quick responses from specialist partners.

Important: UK Business Loans is an introducer and not a lender or financial adviser. Our matching service is free for business owners. We share your details with approved lenders and brokers for quote purposes only. Submitting an enquiry does not guarantee a loan. See our Privacy Policy and T&Cs for more details.

1. Can I get a free eligibility check and quick invoice finance quote via UK Business Loans?
Yes — UK Business Loans offers a free, no‑obligation eligibility check and will match your company with specialist lenders and brokers to provide rapid indicative invoice finance quotes.

2. How long does it take to receive an indicative invoice finance quote?
Most businesses receive initial contact and an indicative quote within hours to 48 hours, with formal offers taking several days to a few weeks after full checks.

3. Will submitting an enquiry with UK Business Loans affect my credit score?
No — submitting the short enquiry is a soft, no‑obligation step that does not affect your credit score; lenders only perform hard checks later with your consent.

4. What minimum invoice finance or business loan amount can I look for through UK Business Loans?
UK Business Loans generally helps businesses seeking facilities from around £10,000 and upwards.

5. What documents do lenders typically request to provide an invoice finance quote?
Lenders usually ask for recent invoices, bank statements, company registration details, and sometimes management accounts and director ID.

6. What’s the difference between invoice factoring and invoice discounting?
Invoice factoring involves the funder managing collections and advancing against your ledger, whereas invoice discounting lets you retain control of your sales ledger and collections, often confidentially.

7. What key costs should I expect to see in an invoice finance quote?
A clear quote will show the advance rate, discount/funding fee, any setup or facility fees, ongoing service/admin charges and possible termination or commitment fees.

8. Which businesses are best suited to invoice finance?
Limited companies and growing SMEs that trade on credit terms—such as construction, manufacturing, logistics, recruitment and wholesale—commonly use invoice finance to free up working capital.

9. Do you lend the money directly or are you just an introducer?
UK Business Loans is an introducer that connects you with FCA‑regulated lenders and brokers; we do not lend or provide regulated financial advice.

10. Who will you share my enquiry details with and how is my data protected?
We only share your details with selected, trusted lenders and brokers relevant to your enquiry and with your consent, in line with our Privacy Policy and T&Cs.