Featured Case Study
Invoice Finance Case: Staffordshire Engineering Firm
| £75kfacility approved | 80%advanced upfront | £40kreleased in 2 days |
In brief
A small Staffordshire engineering firm had £50k tied up in unpaid invoices with an HMRC deadline looming. Howe Commercial Finance sourced a flexible invoice finance facility approved in 48 hours: it funded invoices up to 90 days old at 80% of value upfront and put £40,000 in the bank within two days, easing cashflow and clearing HMRC on time without any new debt.
The challenge
The business had £50k tied up in unpaid invoices across a small number of clients. Cash flow was tight, and their HMRC payment deadline was looming. With limited options and pressure mounting, they came to us for help.
Our approach
We sourced a flexible invoice finance facility that allowed them to fund invoices up to 90 days old, access 80% of the invoice value upfront, and receive £40k in the bank within two days.
The outcome
- Cashflow pressure eased immediately.
- HMRC liabilities paid on time.
- No extra debt taken on.
This was a strategic way to unlock liquidity from their own sales, without needing to borrow.
Key insights
Invoice finance isn’t a loan, it’s a way to bring forward cash you’ve already earned. It’s ideal for businesses like this one: profitable, growing, but temporarily stuck behind slow-paying customers.
 | About the author Paul Howe · Director, Howe Commercial Finance Paul is the Director of Howe Commercial Finance, an FCA-regulated commercial finance brokerage based in Uttoxeter, Staffordshire. He has spent decades helping business owners and property investors secure the right finance, often when the high street has already said no. Every case study on this site is based on a real deal Paul has arranged. Names and identifying details have been changed or removed to protect client confidentiality. |