Invoice finance for UK SMEs
Waiting 30, 60, or even 120 days to get paid? Invoice finance unlocks the value tied up in your unpaid invoices, giving your business fast access to working capital to keep operations running smoothly.
Ideal for UK SMEs, invoice finance allows you to release cash from outstanding invoices, without waiting for your customers to pay. Whether you’re covering payroll, investing in growth, or managing day-to-day costs, this flexible funding solution helps improve cash flow and reduce financial pressure.
With invoice finance, you maintain control of your sales ledger while gaining immediate liquidity, all without taking on additional debt. It’s a smart, scalable solution trusted by businesses across industries, including construction, manufacturing, logistics, recruitment, and professional services.
What is invoice finance, and how does it work?
Invoice finance is a popular business funding solution that helps UK companies unlock cash tied up in unpaid invoices. Instead of waiting 30, 60, or even 120 days for customers to pay, businesses can access immediate working capital by borrowing against their outstanding invoices.
This flexible finance option improves cash flow, supports day-to-day operations, and fuels business growth without taking on traditional debt.
How does invoice finance work?
When a business raises an invoice for goods or services delivered, it can submit that invoice to an invoice finance provider. The lender then advances a percentage of the invoice value (usually 70-100%) as immediate cash. Once the customer pays the invoice, the remaining balance, minus fees, is released to the business.
Why choose Prospera Funding for invoice finance?
Full access to UK lenders
Access tailored business finance from £5,000 to £25M, with rates from 4.5%. Prospera Funding connects UK SMEs with both traditional and alternative lenders for flexible, fast business finance solutions.
Protecting your credit
We prioritise protecting your credit score by leveraging our lender network and industry expertise to assess your funding options without formal applications or credit checks.
Fast decisions
Our lenders offer faster funding than traditional bank loans, ideal for businesses needing quick access to working capital, cash flow, or growth. Decisions and funds in as little as 24 hours.
Transparent costs
You know your business best, and whether business finance makes sense to achieve your goals. At Prospera Funding, we simply present the best funding options, fully explain the costs, and let you decide. No risk, no commitment, and no broker fees.
Industry specialists
Our business finance specialists have expert knowledge and proven experience across multiple industries, ensuring tailored funding solutions aligned with your business goals.
Flexible options
Our lenders provide flexible loan terms, repayment options, and requirements, helping businesses find funding that aligns with their goals
Aftercare support
With expert finance specialists and a vast lender network, we deliver tailored business funding solutions and ongoing support, ensuring your company always has access to the most cost-effective finance options on the market.
Industry compliant
We work with FCA-regulated lenders and ensure full compliance with all industry rules and regulations.
Invoice Finance Calculator, Estimate Your Monthly Repayments
Fund up to 99% of the outstanding invoice value.
Competitive discount fees and service fees
360 overview of the whole UK lending market, all types of legal businesses considered.
Fast decisions, funding from as quickly as 24 hours.
No cost, risk or commitment...and no credit searches.
How to apply for an invoice finance facility
We make business funding fast, simple, and tailored to you. Our advanced platform intelligently matches your business with the most relevant finance solutions from a wide panel of UK lenders. Whether you’re expanding, managing cash flow, or investing in growth, we’re here to help you access the funding you need, without the hassle.
Get funded in 3 easy steps
1. Tell us about your invoice finance needs
Let us know how much you’re looking to borrow, what it’s for, and a few key details about your business. No lengthy forms, just straightforward questions.
2. Review invoice finance options
We scan over 120 trusted lenders to deliver options tailored to your specific funding needs at the best rates you are eligible for.
3. Receive your invoice finance facility within 24 - 48 hours
Once you’ve chosen the best option, we’ll support you through the application, right through to the funds landing in your account.
