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Get Paid Faster. 

Unlock Up to 95% of Your Unpaid Invoices

Get Paid Faster. 

Unlock Up to 95% of Your Unpaid Invoices


✓ Minimum of 120K annual turnover required

✓ Stop chasing unpaid invoices with Guavas Finance

✓ Simple, stress-free funding within 24-48 hours

✓ Invoice Rates From 0.49%

✓ Obligation-free decision process with no credit score impact

What is Invoice Finance?


Invoice finance, often referred to as invoice factoring, is an effective financial solution that enables small businesses to enhance their cash flow by leveraging the value of their unpaid invoices.
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Rather than waiting weeks or months for customers to settle their accounts, businesses can access a significant portion of the invoice amount almost immediately, providing them with the working capital needed to manage daily operations, invest in growth opportunities, or meet financial obligations with greater ease.

Invoice Factoring

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Invoice factoring is a form of invoice finance where a third party—known as the factor—takes over the management of your sales ledger and credit control. This means they handle the collection of payments directly from your customers, saving you time and administrative effort. 
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By outsourcing these tasks, you can focus more on your core business activities while maintaining a healthier cash flow. Typically, the factor advances a significant percentage of the invoice value upfront, with the remainder (minus fees) paid once the customer settles the invoice.
Invoice Factoring

Invoice Discounting 

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Invoice discounting is a flexible form of invoice finance that enables businesses to maintain full control over their customer relationships and credit management. Unlike invoice factoring, the responsibility for collecting payments remains with the business, preserving confidentiality with clients. 
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The finance provider (or factor) advances a percentage of the total outstanding invoice value, helping to boost cash flow without disrupting normal operations. Once the customer pays the invoice, the business repays the lender, along with any agreed-upon fees. This solution is ideal for companies with strong internal credit control systems seeking quick access to working capital.
Invoice Discounting 

How does it work?

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The Benefits of Invoice Financing

1. Improved Cash Flow
1. Improved Cash Flow
Invoice financing boosts cash flow by providing immediate funds, allowing businesses to cover daily expenses, pay staff, seize growth opportunities, and handle unexpected costs - without waiting on long payment terms.
2. Fast Access to Funds
2. Fast Access to Funds
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Unlike traditional bank loans that involve lengthy processes and paperwork, invoice financing is fast and simple. By submitting invoices, businesses can access most of their value within 24–48 hours, quickly meeting urgent financial needs.
3. Reduction in Bad Debt Risk
3. Reduction in Bad Debt Risk
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Invoice factoring helps protect small businesses from late or unpaid invoices by transferring the collection risk to the factoring company. This safeguards cash flow, reduces bad debt, and lets owners focus on running their business - not chasing payments.
4. Flexibility and Scalability
4. Flexibility and Scalability
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Invoice financing is a flexible, scalable solution that grows with your business. Unlike fixed-limit loans, it provides funding based on sales - so as you issue more invoices, your access to capital increases, making it ideal for managing cash flow during growth.
5. No Collateral Required
5. No Collateral Required
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Invoice financing typically doesn’t require physical assets as collateral—your invoices serve that role. This makes it accessible to businesses with limited assets or credit history, offering a funding option where traditional loans might not be available.
6. Cost-Effective Financing
6. Cost-Effective Financing
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Invoice financing can be a cost-effective option compared to loans or overdrafts. Though it comes with fees, the improved cash flow and credit control often outweigh the costs. As a secured form of funding, it’s typically cheaper, making it a smart choice for businesses focused on growth and financial stability.

Invoice Factoring Suits Most UK SME Sectors

Healthcare Industry
Healthcare providers can optimise their cash flow through tailored invoice finance solutions.
Construction Companies
We support the UK construction sector in leveraging invoice finance to unlock working capital and boost growth.
Recruitment Agencies
Our invoice finance solutions empower UK recruitment agencies to save money and grow with confidence.
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