Invoice finance, asset-based lending and leasing for UK mid-market and SME businesses
Growth should never be limited by cash tied up in invoices or equipment. We release the value already inside your business and turn it into funding you can use today.
Mid-market and SME leaders rarely lack ambition. What holds them back is timing. Customers pay in sixty or ninety days, suppliers expect payment sooner, and a large new contract can strain cash precisely when it should be creating value. Commercial finance solves that mismatch by lending against the assets you already own.
Invoice discounting and factoring advance a majority of the value of your sales ledger as soon as you invoice, converting receivables into immediate working capital. Asset-based lending goes further, drawing on inventory, plant, machinery and property to build a larger and more flexible facility than a conventional overdraft would allow. Because these facilities scale with your turnover, funding grows as you win work rather than being fixed at last year's assessment.
Alongside this, our Leasing Solutions and Arval fleet businesses help you acquire the equipment and vehicles that generate revenue without absorbing capital. Leasing spreads cost across the useful life of an asset, protects against residual value risk and keeps your fleet or plant modern. For businesses electrifying vehicles, Arval provides the charging strategy, whole-life cost modelling and driver support that make the transition practical rather than theoretical.
Every facility is arranged by UK-based teams who visit your premises, understand your sector and stay with you as the business changes. We are candid about what we can fund and how quickly, because a clear answer is worth more to a finance director than an optimistic one.
Cash on invoice
Release most of an invoice value as soon as you raise it, while keeping your own credit control and customer relationships entirely confidential.
Funding plus collections
Advance funding combined with our credit control team managing collections, freeing your finance function to focus on growth instead of chasing payment.
Bigger, flexible facilities
Borrow against receivables, inventory, plant and property together to create headroom for acquisitions, turnarounds and ambitious growth plans.
Assets without capital drain
Equipment leasing and Arval fleet management spread cost over asset life, protect residual value and simplify your route to electrification.
Funding a step change in contract size
A national logistics operator needed working capital to service two major retail contracts with ninety day payment terms. An invoice discounting facility, scaled to their growing sales ledger, released cash on the day of invoicing and allowed the business to recruit drivers and lease additional vehicles ahead of the peak season. Turnover grew substantially within eighteen months without new equity or a fixed overdraft ceiling.
We work with UK businesses trading on credit terms with other businesses, typically from around one million pounds of annual turnover upwards. Eligibility depends on the quality of your sales ledger and the sectors you serve rather than on your trading history alone.
Following an initial conversation and a review of your ledger, indicative terms usually follow within days. Full facilities are commonly operational within a few weeks, depending on the complexity of the security and the assets involved.
With confidential invoice discounting your customers continue to pay you as normal and the arrangement remains private. With factoring we manage collections on your behalf, which is visible to customers but often improves payment times.
A short conversation is enough to size the opportunity
Tell us how you trade and we will show you the working capital available, the likely cost and how quickly a facility could be in place.