how we can help
Building Your Vision, Funding Your Future.
Our mission is to provide tailored invoice financing solutions that empower your business to overcome financial challenges and reach new heights. We’re here to help you resolve:
- Irregular Cash Flow
- Late Client Payments
- Funding Limits
- Bad Debts
- Fund Extra Staff
- Drive Growth
- Scale Up
- and more.
What is a Invoice Finance?
Invoice finance is a financial solution that enables businesses to access funds based on the value of their outstanding invoices. Instead of waiting 30, 60, or even 90 days for payment, you can receive a significant percentage of your invoice value upfront. This helps stabilise cash flow, ensuring your business has the working capital it needs to thrive.
Key types of invoice financing include:
Invoice Discounting: Maintain control of your credit management while accessing funds quickly and discreetly.
Small Business Invoice Factoring: Let a third party manage your invoicing and collections, giving you access to funds and more time to focus on your business.
No matter your industry or size, our tailored invoice financing solutions help you bridge gaps in cash flow and maintain financial stability.
Enhance Cash Flow
Unlock the value of your outstanding invoices, ensuring a steady influx of working capital
Reduce Credit Risk
Transfer the risk of non-payment to the finance provider, allowing you to focus on core business activities
Accelerate Growth
Use invoice finance to take on more projects or clients, seize opportunities, and expand your business.
Flexible Funding
Tailor the solution to your business's needs, with the ability to finance one invoice or many.
At Howe Commercial Finance, we provide bespoke invoice financing solutions to help businesses unlock the value tied up in unpaid invoices. Whether you’re a small business struggling with cash flow or an established company looking to improve working capital, our expert team is here to assist with Invoice Finance for Small Business. Our team of experts will work closely with you to structure financing solutions that align with your business objectives. Our services go beyond invoice finance — we also assist businesses involved in export and import operations, helping them manage cash flow gaps between shipping goods and receiving payments. Additionally, for businesses needing quick access to funds, we offer short-term bridging finance solutions that provide temporary financial support during transitions or urgent opportunities.
- Invoice Factoring: Sell your outstanding invoices and receive immediate cash to fuel your operations.
- Invoice Discounting: Access funds while maintaining control over the collection of outstanding invoices.
- Selective Invoice Finance: Choose specific invoices to finance, providing flexibility tailored to your cash flow needs.
- Bad Debt Protection: Safeguard your business from potential losses by insuring against customer insolvency.
We proudly serve clients across Derby, Nottingham, Stafford, and Uttoxeter, offering tailored invoice finance services designed to meet your specific needs. Would you like me to make it a little more SEO-optimised (by adding light keyword placement and improving sentence flow)?
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Holistic Approach
Who Can Benefit from Invoice Finance?
Invoice finance is a flexible funding solution suitable for businesses of all sizes and industries. Whether you are facing delayed customer payments or planning strategic expansion, invoice finance provides fast, reliable access to working capital.
- Small Businesses: Small businesses often struggle with cash flow due to late payments from customers. Invoice factoring for small businesses provides immediate access to funds locked in outstanding invoices, helping cover essential expenses such as payroll, rent, utilities, and supplier payments—without waiting weeks or months to get paid.
- Growing Companies: For growing businesses, cash flow gaps can limit scalability. Business loan options such as invoice discounting enable companies to access capital as soon as invoices are raised, supporting investments in hiring, inventory, technology, and marketing. This ensures growth momentum continues without disruption.
- Established Enterprises:
Established companies with large sales ledgers require efficient and reliable cash flow management. Our advanced invoice financing solutions help streamline receivables, improve forecasting accuracy, and maintain consistent liquidity—supporting smoother operations and long-term financial planning.
Whether you are a start-up, an expanding business, or an established enterprise, invoice finance offers a smart, AI-optimized funding solution to maintain healthy cash flow, reduce financial uncertainty, and support sustainable business growth.
Whether you’re a start-up, a growing business, or an established company, we can help you maintain cash flow and support your growth.
As experts in invoice financing solutions, we understand the unique challenges businesses face when managing cash flow. Here’s why businesses trust us:
Tailored Solutions
Every business is unique, and we customise our invoice financing services to fit your needs.
Fast Access to Funds
Our streamlined process ensures you get the capital you need quickly.
Expert Guidance
With years of experience, we offer advice and support to help you make the best financial decisions.
Broad Industry Experience
We work with businesses across a wide range of industries, from retail and manufacturing to professional services.
How Does the Invoice Finance Process Work?
We make the invoice finance process simple and efficient:
Initial Consultation: Our team works with you to understand your business’s cash flow needs and determine the best solution.
Approval: We assess your invoices and approve funding quickly.
Funding Release: Receive up to 90% of the invoice value within 24-48 hours.
Final Payment: Once your customer pays, the remaining balance (minus our fees) is released to you.
With our expert support, you can focus on running your business while we take care of your cash flow.
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A quick, no obligation chat to discuss your business goals and the best finance solutions to get you there.
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Frequently Asked Questions
You raise an invoice to your customer as normal. The invoice finance provider advances you a percentage of the invoice value straight away, typically 80-90%, usually within 24-48 hours. When your customer pays the invoice, the rest comes through to you minus the finance fees. Instead of waiting 30, 60, or 90 days for payment, you get the cash almost immediately. It scales with your sales, the more you invoice, the more funding is available.
With factoring, the finance provider takes over credit control, they chase your customers for payment directly. With discounting, it stays confidential: you still collect payments from customers yourself, and the finance arrangement stays behind the scenes. Factoring suits smaller businesses that value the collection support. Discounting suits larger businesses that want to keep the arrangement private.
By cutting the gap between doing the work and getting paid. If you invoice on 30-day terms but your suppliers want paying in 7 days, you’ve got a cash flow gap that invoice finance fills. Instead of chasing customers or juggling overdrafts, you get predictable cash in as soon as you raise the invoice. It’s particularly effective for businesses that are profitable on paper but always cash-strapped in practice.
Any business that invoices other businesses (B2B) on credit terms. It’s particularly common in recruitment, manufacturing, wholesale, logistics, and construction (under the right contract structure). Businesses selling direct to consumers (B2C) usually can’t use invoice finance because there are no trade debtors to fund against.
With disclosed factoring, yes, the provider contacts them directly for payment. With confidential invoice discounting, no, your customers pay into an account that looks like yours, and the finance arrangement stays private. The right option depends on your size, your customer relationships, and how much credit control support you want.
Typically 80-90% of the invoice value is advanced straight away, with the remaining 10-20% (minus fees) paid when the customer settles. The exact percentage depends on the lender, your sector, and the strength of your debtor book. Some industries (construction, long-contract work) get lower advance rates because of higher dispute risk.
Not necessarily, and often it’s actually cheaper once you compare like for like. Overdrafts have arrangement fees, non-utilisation fees, and limits that don’t grow with your business. Invoice finance costs scale with your turnover, so you only pay for what you use, and the facility grows as you grow. The headline rate can look higher, but the total cost often comes out better.
It’s a quicker and simpler application than most people expect. The lender wants to see your recent sales ledger, customer list, latest accounts, and bank statements. They’re more interested in your debtor book than your business’s own credit score, so it’s accessible even for newer businesses. Most facilities can be set up within 2-4 weeks from first enquiry.
