03Who we help
Businesses that sell on credit and wait to be paid.
Invoice finance is sector-agnostic in principle. In practice it tends to matter most where the cost of delivering the work lands long before the customer pays for it.
Recruitment
Contractors and temps are paid weekly. Clients pay monthly, or later. The gap is structural.
Manufacturing
Materials, labour and energy are paid for long before the finished order is settled.
Transport & Logistics
Fuel, drivers and vehicles cost money every week. Freight invoices often sit on sixty-day terms.
Wholesale
Stock is bought ahead of demand and sold on credit. Both ends of the cycle are on someone else’s terms.
Engineering
Skilled labour and components are committed early. Invoicing for completed work follows.
Security
Staff-heavy payrolls on short cycles, with contracts paid in arrears.
Printing
Paper, ink and press time are spent before the job is invoiced.
Business Services
Consultancies, agencies and outsourced services invoice on completion and are paid on terms.
Distribution
Goods move on day one. Payment arrives on day sixty.
Not an exhaustive list, and not a promise of eligibility. Businesses in other sectors may be suitable; businesses in these sectors may not be. Each provider applies its own criteria.
02Suitability
Where it tends to fit, and where it does not.
An honest sketch. The details are always in the ledger, and the decision is always the provider’s.
Typically relevant where
- Businesses selling to other businesses on credit terms
- Invoices raised for completed work or delivered goods
- A spread of customers rather than reliance on one
- An ongoing requirement, not a one-off
- A ledger that is kept properly, or could be
Less likely to fit
- Sales to consumers, or paid at the point of sale
- Invoices conditional on future performance or milestones
- Applications for payment and stage payments, which often need specialist providers
- Heavily disputed or retention-based invoicing
- Very early-stage businesses without a trading history
If the business sits somewhere in between, that is normal. It is usually the reason for the first conversation.
03Next
Start with a conversation.
No application form, no obligation. Tell us about the business and the requirement, and we will tell you honestly whether invoice finance is worth exploring.
What happens when you get in touch
- 01A short conversation about the business, its customers and how it invoices.
- 02We work out whether invoice finance is a realistic fit, and which structure.
- 03If it is, we outline the options and the providers worth approaching. If it is not, we say so.