Turn unpaid invoices into working capital
Waiting 30, 60, or 90 days to get paid shouldn't strangle your business. Through our specialist division, Invoice Finance Experts, we help UK companies release cash tied up in unpaid invoices to manage cash flow and fund growth.
Decisions in as little as 24 hours. Factoring, discounting, and selective facilities available.
How invoice finance helps your business
Invoice finance is a way of borrowing against your unpaid invoices. Instead of waiting for your customers to pay, a lender advances most of the invoice's value as soon as it is raised—typically 70% to 90%. When your customer eventually pays, you receive the balance minus a small fee.
It turns money you have already earned into cash you can actually use today. Whether you need to fund weekly payroll, bridge the gap between paying suppliers and getting paid, or simply want to stop chasing payments, the right facility can transform how your business operates.
Instant cash flow
Unlock cash tied up in your sales ledger within 24 hours of raising an invoice, giving you the working capital you need to grow.
Stop waiting to get paid
Offer your customers 30, 60, or 90-day credit terms without putting a strain on your own bank account.
Flexible facilities
Choose between factoring (where the lender chases payments) or confidential invoice discounting (where you keep control).
Why use Invoice Finance Experts?
Just like with van finance, going direct to a single lender limits your options. Most invoice finance websites belong to lenders who can only recommend their own product.
Invoice Finance Experts is a specialist division within the First Oak Capital group. They operate as an independent, whole-of-market broker, comparing a wide panel of specialist providers to find the facility that genuinely matches your industry and turnover.
- Whole panel compared before anything is submitted
- Factoring, discounting, selective and confidential options
- Solutions for startups and imperfect credit histories
- Free to use, the lender pays the commission