Invoice finance for UK businesses

Invoice finance for UK businesses.
Turn invoices into working capital.

Explore funding against eligible unpaid invoices and understand the effect on customer collections.

TMS Finance is a credit broker, not a lender.

Get cash moving while customers take time to pay.

A full order book does not pay wages or suppliers until the money reaches your account. Invoice finance can release part of the value of eligible unpaid business invoices, helping you manage the gap between delivering work and receiving payment.

Before you proceed

Tell us your turnover, unpaid invoice balance, customer payment terms and when you need the cash.

An enquiry does not commit you to proceed. Finance is subject to status, affordability, provider criteria and approval. Fees, security and personal guarantees may apply.

How invoice finance works

After a provider agrees a facility, eligible invoices support an advance. When your customer pays, the remaining balance is released after the agreed charges. The amount available depends on invoice quality, customer creditworthiness and the facility terms. It is not the same as collecting every overdue or disputed debt.

Choose the right structure

Invoice factoring: the provider normally manages collections as well as funding.
Invoice discounting: you usually retain day-to-day credit control; confidential arrangements may be available.
Selective invoice finance: some providers fund chosen invoices or customers, subject to criteria.

When it may help

You sell goods or services to other businesses on credit terms.
Payroll, materials or supplier bills fall due before customers pay.
Growing sales create a larger funding gap.
Your sales ledger is accurate and invoices relate to completed, accepted work.

Costs and limits to compare

Check the service fee, funding charge, minimum fees, contract term, termination costs, concentration limits and reporting requirements. Disputed invoices, aged debts, retentions and some construction applications may be excluded or restricted. Unless agreed protection applies, you may remain responsible if a customer does not pay. Security or guarantees may be required.

For construction companies: an application for payment is not automatically an eligible invoice. Explain certification, contractual terms, retentions and any disputes before relying on an advance. Read our construction business finance guide to compare the wider funding routes.

Why involve TMS?

TMS Finance reviews the cash-flow gap and sales ledger before approaching selected providers. We help compare the money you can actually use, the cost and the effect on customer collections. We are a broker, not a lender, and do not search the whole market.

Send the business details

Tell us your turnover, unpaid invoice balance, customer payment terms and when you need the cash.

Review the appropriate route

We will discuss the requirement and the information needed for a suitable provider or specialist review.

Check terms before deciding

The responsible provider or specialist explains eligibility, scope, costs and obligations. You decide whether to proceed.

Start before the next cash-flow squeeze

Arrange a review while your records are up to date and you still have time to compare terms. Prepare recent accounts, bank statements, an aged debtor report, customer concentration details and existing finance commitments. An enquiry is not an approval or offer.