In the world of small and medium-sized enterprises (SMEs), cash flow is king. Yet, many businesses find themselves stuck waiting 30, 60, or even 90 days for invoices to be paid—while wages, suppliers, and growth plans can’t wait. That’s where invoice finance steps in.
What Is Invoice Finance?
Invoice finance is a funding solution that allows businesses to unlock cash tied up in unpaid invoices. Instead of waiting for customers to pay, you get an advance—typically up to 90% of the invoice value—almost immediately. Once the customer pays, the remaining balance (minus fees) is released.
There are two main types:
Why SMEs Are Turning to Invoice Finance
No more waiting months for payment. You get access to working capital when you need it.
Whether it’s hiring staff, buying stock, or taking on bigger contracts, invoice finance gives you the flexibility to grow.
Unlike loans or overdrafts, invoice finance grows with your sales. The more you invoice, the more funding you can access.
With factoring, you can outsource chasing payments—freeing up time and reducing stress and normally cheaper as you don’t need to have an employee on your payroll.
Who Is It For?
Invoice finance is ideal for:
Common Misconceptions
Not true. Many thriving companies use invoice finance to fuel growth and manage cash flow more efficiently.
Costs vary, but when compared to the opportunity cost of delayed payments or missed growth, it can be a smart investment.
With the right expert help, the process is straightforward and tailored to your needs.
Ready to Explore Invoice Finance?
At Shadowfax Funding, we specialise in helping SMEs find the right invoice finance solutions—without the jargon, hassle, or hidden fees. Whether you’re new to invoice finance or looking to switch providers, we’re here to guide you.
📞 Get in touch today to see how invoice finance could unlock your business’s potential.