Invoice Finance

Invoice Finance Broker | Whole-of-Market Specialists

We compare invoice factoring, discounting, and selective facilities across our entire lender panel to find the right fit for your business, sector, and cash flow needs.

Explore your funding options

Overview

What is invoice finance?

Invoice finance allows businesses to unlock cash tied up in unpaid invoices, typically advancing 80 to 95 percent of an invoice value within 24 hours of raising it. Rather than waiting 30, 60, or 90 days for a customer to pay, you access working capital immediately.

There are several structures available, including invoice factoring, where the lender also manages your sales ledger and collections; invoice discounting, where you retain control of your debtor book; and selective or spot invoice finance, where you fund individual invoices as needed. The right structure depends on your sector, turnover, and operational preferences.

Pinnacle works with businesses across recruitment, construction, food manufacturing, professional services, and many other sectors where payment terms create cash flow pressure.

80%+

of invoice value advanced within 24 hours

50+

lenders across the invoice finance market

Free

consultation, no obligation to proceed

How we help

Why use Pinnacle as your broker?

Most businesses approach two or three lenders directly and accept the first reasonable offer. The problem is that lenders price their facilities based on risk, sector experience, and their current appetite for your type of business. Going direct means you rarely see the full range of options available.

As an independent broker, Pinnacle has relationships across the entire invoice finance market, from high street banks and major factors through to specialist boutique lenders who focus on specific sectors. We know which lenders understand your industry and which are currently competitive on rate.

We handle every conversation, compare proposals on a like-for-like basis, and negotiate terms on your behalf before presenting you with a clear recommendation. You make the decision. We handle everything else.

Whole-of-market access

We compare 50+ invoice finance lenders, including specialists you would not find through a standard internet search.

Faster funding

We know which lenders can move quickly when you need funds urgently, and which require more time for due diligence.

Sector expertise

Different lenders have different appetites for different sectors. We match you to lenders who genuinely understand your business.

Better terms

Independent negotiation consistently produces better rates and lower fees than approaching lenders directly.

No cost to you

Our fee is paid by the lender. Your consultation, our market search, and our recommendation are all provided free of charge.

Ongoing support

We remain available throughout the life of your facility, including at renewal when the market may have moved in your favour.

Common questions

Frequently asked questions

What is the difference between invoice factoring and invoice discounting?

Invoice factoring involves the finance provider managing your sales ledger and collecting payments from your customers directly. Invoice discounting is a confidential facility where you retain control of your debtor book and your customers pay you as normal. Discounting tends to suit more established businesses with strong credit control processes, while factoring can suit growing businesses that want to outsource collections.

How quickly can I access funds through invoice finance?

Once a facility is in place, funds are typically available within 24 hours of raising an invoice. Setting up a new facility usually takes between one and four weeks, depending on the lender and the complexity of your business. Pinnacle can identify which lenders are capable of a faster process when urgency is a factor.

How much can I borrow against my invoices?

Most invoice finance facilities advance between 80 and 95 percent of eligible invoice values. The exact percentage depends on the quality of your debtor book, the creditworthiness of your customers, and the lender's assessment of your sector. We will give you a realistic expectation before you apply.

Is invoice finance suitable for my business?

Invoice finance works best for businesses that invoice other businesses (B2B) on credit terms, and that have a minimum annual turnover of around 100,000 pounds, though some specialist lenders will consider smaller businesses. Pinnacle will assess your situation in an initial consultation and tell you honestly whether invoice finance is the right solution.

Will my customers know I am using invoice finance?

Not necessarily. Invoice discounting is entirely confidential, meaning your customers pay you as normal and have no knowledge of the finance arrangement. With factoring, your customers will pay the lender directly, which some businesses prefer as it outsources their credit control function entirely.

More services

One conversation. The right funding.

We search the market, compare lenders, and secure the right deal on your behalf. No obligation, no cost to you.

Book your free consultation