Invoice finance & factoring brokerage

Turn unpaid invoices into working capital.

Haslam Consult helps UK businesses understand and compare invoice finance, factoring and invoice discounting, so the money you have already earned is available when the business needs it.

Tell us a little about your business to start

Find out whether factoring or discounting fits

Understand what a facility really costs

Compare providers on a like-for-like basis

Review an existing facility that no longer fits

Initial discussion · No obligation · Independent broker guidance

Working with businesses that sell on credit terms

Recruitment Manufacturing Transport & logistics Wholesale Engineering Business services Security & facilities Printing & packaging Construction services

The solution

Your unpaid invoices, turned into working capital.

Invoice finance allows eligible businesses to access a proportion of the value of outstanding customer invoices before those customers pay. It is available in several structures. The right one depends on how your business runs.

You invoice

As normal

Advance released

A proportion, soon after

Customer pays

You or the provider collects

Balance settled

Less the provider's fees

How invoice finance works

Facility overview

Illustrative example

Facility live

£0 Available to draw

Against £250,000 of eligible invoices at an illustrative 85% advance

Sales ledger £250k

Eligible 92%

Advance rate 85%

Illustrative figures only. Advance rates, eligibility and pricing are set by each provider and depend on your business, sector and debtor book.

How it works

From first conversation to a facility that fits.

Arranging invoice finance should not feel like decoding a lender's website. This is the process we follow, and what you can expect at each point.

Step 1

Tell us about your business

A short conversation about what you do, who you invoice, how your customers pay and where the pressure is.

What you do

Who you invoice

How customers pay

Step 2

We understand the requirement

How much funding would help, when, and what it is for. We also look at any existing facility you may have.

Funding need · timing

Step 3

Explore suitable options

We outline the facility types and providers that appear well matched, and explain the differences in plain terms.

Facility types

Factoring Discounting Selective

Step 4

Choose the facility that fits

You compare the options with our help and decide which, if any, is right for the business.

Options side by side

Step 5

Move forward with the provider

We support you through the application and set-up process so it runs as smoothly as possible.

Facility live

Set-up — on track

See the full process, stage by stage

Solutions

Invoice finance, in the forms that matter.

Every facility we help arrange does the same fundamental thing: it releases cash against invoices you have already raised. The differences are in who collects, who knows, and how much of your ledger is involved.

The umbrella term

Invoice Finance

A way for businesses that sell on credit terms to access a proportion of the value of unpaid invoices before customers pay.

Funding grows in line with your sales ledger
Available as factoring, discounting or selective facilities
Often used where customers pay on 30 to 90+ day terms

Invoice finance explained

Funding plus collections

Invoice Factoring

Release cash against unpaid invoices while the provider manages credit control and collects payment from your customers.

Provider typically handles collections and credit control
Usually disclosed to your customers
Can suit businesses without a dedicated finance team

How factoring works

Funding, you keep control

Invoice Discounting

Draw funds against your sales ledger while continuing to run your own credit control, often without customers being aware.

You retain credit control and customer contact
Can be confidential, subject to provider criteria
Often suits established firms with sound processes

How discounting works

Fund what you choose

Selective Invoice Finance

Finance individual invoices or specific customers as the need arises, rather than committing your whole sales ledger.

Choose which invoices to fund
Typically no long-term whole-ledger commitment
Useful for occasional or project-based cash-flow gaps

How selective finance works

The cash-flow gap

The costs do not wait for your customers to pay.

Most business-to-business sales are made on credit. Thirty, sixty or ninety-day terms are normal, and larger customers often pay later than that. In the meantime, the costs of running the business do not wait.

A typical 60-day invoice Work done → paid

Delivered

Day 0

Invoiced

Day 7

Paid

Day 60–90

Illustrative timeline. Wages, rent and suppliers fall due throughout.

Payroll

Wages fall due on the same date every month, whether or not your customers have paid.

Suppliers

Paying suppliers late costs goodwill, and sometimes early-settlement discounts.

Stock & materials

You often have to buy before you can sell, and long before you are paid.

Hiring

Taking on staff to service new contracts means funding them before revenue lands.

Growth

Winning bigger customers usually means longer terms and larger invoices to carry.

Day-to-day headroom

Simply having enough working capital to run the business without constant juggling.

Why use a broker

A lender will tell you about their facility. We help you find the one that fits.

Invoice finance providers differ in appetite, sector experience, pricing and terms. Our job is to understand your business first, then put the realistic options side by side.

We start with the business, not the product

Understanding how you invoice, who you sell to and where the pressure sits comes before any discussion of facilities.

We explain the structures

Factoring, discounting, selective, recourse, non-recourse, confidential, disclosed. We translate the terminology into what it means for you.

We compare relevant options

Provider appetite, sector experience and pricing all vary. We help you see the options side by side rather than one at a time.

We explain costs and terms clearly

Service fees, discount charges, minimums, notice periods and guarantees. You should know what you are signing before you sign it.

We support the application

Providers need information presented properly. We help you prepare and stay involved until the facility is live.

We review existing facilities

If you already have invoice finance, we can help assess whether it still represents a good fit and what alternatives may exist.

How we approach it Already have a facility? Request a free review

Who we help

Businesses that have done the work and are waiting to be paid.

Invoice finance is well established across a range of UK sectors. Inclusion here does not mean every business in a sector qualifies, and being outside them does not rule you out. Suitability is assessed business by business.

Recruitment & Staffing

Manufacturing

Transport & Logistics

Wholesale & Distribution

Engineering & Fabrication

Business Services

Security & Facilities

Construction Services

All sectors & suitability check Is it right for my business?

Without the jargon

The questions most businesses ask first

Straight answers to the things people want to know before they pick up the phone.

What is invoice finance?

Invoice finance is a way for businesses that sell on credit terms to access a proportion of the value of their unpaid invoices before the customer pays. The provider advances an agreed percentage, then releases the balance, less fees, once the invoice is settled. It comes in several forms, most commonly factoring and invoice discounting.

How much of an invoice can potentially be funded?

Providers generally advance a substantial proportion of the invoice value upfront, with the remainder released when your customer pays. The exact percentage depends on the provider, your sector and the quality of your debtors. We will give you a realistic picture before you approach anyone.

What is the difference between factoring and invoice discounting?

In factoring, the provider typically manages credit control and collects payment from your customers, so the arrangement is usually disclosed. In invoice discounting, you keep control of your sales ledger and collections, and the facility can often be confidential. Factoring tends to suit businesses that want collections support; discounting tends to suit those with established processes.

Will my customers know?

With factoring, usually yes. With invoice discounting, often not: many providers offer confidential facilities where your customers continue to pay you as normal. Whether confidentiality is available depends on the provider's assessment of your business.

How much does invoice finance cost?

Costs typically comprise a service fee, often expressed as a percentage of turnover, and a discount charge on the funds advanced, similar to interest. Some facilities also carry minimum fees or additional charges for services such as bad debt protection. Pricing varies with your turnover, debtor quality and the facility structure. We will make sure you understand the full cost before you commit. Our cost calculator shows how the charges combine.

What businesses can use invoice finance?

Most commonly, businesses that invoice other businesses on credit terms for completed work or delivered goods. It is widely used in recruitment, manufacturing, haulage, wholesale, engineering and business services. Businesses selling to consumers, or invoicing in stages before work is complete, may find it harder to fund.

Can I switch invoice finance providers?

Yes, businesses move between providers fairly regularly. Your existing agreement will set out a notice period and possibly exit fees. A new provider will usually manage the transition, including repaying the outgoing provider. We can help you assess whether switching makes sense and how to handle it cleanly.

What happens when I enquire?

You tell us a little about your business and what you are trying to achieve. We follow up for a short conversation to understand the detail, then explain what options look realistic. There is no obligation at any stage, and we will tell you plainly if invoice finance does not look like the right answer.