Free Up Cashflow Fast
Invoice Finance Solutions from Station Hill Capital
Chasing slow-paying customers? Invoice finance unlocks the cash tied up in your unpaid invoices—so you can keep your business moving. Whether you choose confidential discounting or full-service factoring, we’ll help you turn outstanding invoices into working capital in as little as 24 hours.
What is Invoice Finance?
Invoice finance is a flexible funding solution that lets businesses access up to 95% of the value of their unpaid invoices. Rather than waiting weeks or months for customers to pay, you can get most of the cash up front—and the rest when your customer settles the invoice.
It’s ideal for B2B businesses with invoice terms of 14+ days and a minimum annual turnover of £30,000. There’s usually no need for additional collateral—the invoice itself is the security.
Types of Invoice Finance
Invoice Discounting
Stay in control of your sales ledger while accessing funds quickly and discreetly. Perfect for established businesses with reliable customers and strong internal credit control.
Invoice Factoring
Let the lender take care of chasing payments and managing the ledger. Your customers pay the lender directly, freeing up your admin time and reducing overheads.
Key Benefits
- ✅ Cash in your account within 24–48 hours
- ✅ Up to 95% of invoice value advanced
- ✅ No need for physical assets or personal guarantees
- ✅ Confidential or disclosed options
- ✅ Scales with your business turnover
- ✅ Speeds up growth and stabilises cashflow
- ✅ Reduces admin (with factoring)
- ✅ Typically cheaper than loans or overdrafts
Typical Use Case
A wholesaler issues a £10,000 invoice to a client with 60-day terms.
Instead of waiting two months to get paid, they receive £8,000 upfront from an invoice finance provider.
Once the customer pays, the remaining balance (minus fees) is passed on—all without giving up equity or taking on traditional debt.
Things to Consider
- Invoice finance only works if you’re making sales—no invoices, no funding
- Early-stage businesses may struggle to qualify for invoice discounting
- Costs include interest (typically 1.5–3% above base) and management fees
- Some lenders require minimum invoice values or customer types
- You’ll need up-to-date accounts and a good payment history from clients
Who Qualifies?
You may be eligible if your business:
- Has a turnover over £30,000 per year
- Trades B2B only (no consumer invoices)
- Offers payment terms of 14+ days
- Has a clean ledger and reliable customer payment history
- Can provide recent accounts and trading information
Let’s Make Your Invoices Work Harder
Whether you want to stay in control or hand over the credit control headache, invoice finance can release working capital without slowing you down.