Invoice finance solutions.
Turn unpaid invoices into immediate cash flow.
Access between £1,000 and £250,000 to support your business growth. No assets required. Apply in minutes with no impact on your credit score.
How it works (the Caply way)
Spend a few minutes telling us about your business and funding needs.
We match you with our wide range of lending partners to find your best rate.
Once approved, funds are transferred directly to your account.
Funding that keeps your cash flow moving
Waiting for clients to pay can slow down even the most successful businesses. Invoice financing allows you to release funds tied up in unpaid invoices, helping you maintain steady cash flow and continue operating without interruption.
Every business has different payment terms and client cycles. That’s why funding solutions are matched to your invoicing structure, your customers, and your ongoing financial needs.
Access funds faster
Receive a percentage of your invoice value upfront, rather than waiting 30, 60, or 90 days for payment.
Improved cash flow control
Smooth out gaps between billing and payment, giving you greater financial stability and predictability.
Funding that grows with you
As your invoicing increases, the funding available can scale alongside your business.
A network of trusted funding partners
We work with a panel of established UK lenders to present funding options suited to your business profile.
Rather than approaching lenders individually, our process allows businesses to explore multiple options through one enquiry, helping save time while providing greater visibility over available funding solutions.
Our role is to help businesses understand their options clearly and move forward with confidence.
What invoice financing can be used for
Invoice financing helps businesses stay consistent and proactive, even when customer payment terms are extended.
Common uses include:
Paying suppliers on time
Managing cash flow gaps
Covering payroll
Reinvesting in operations
Purchasing stock or materials
Supporting business growth
Taking on new projects
VAT and tax bills
Other funding options
If invoice financing isn’t quite right for your business, we work with a network of lenders to provide other flexible solutions tailored to your needs, from invoice finance to asset-backed loans.
Illustrative example of how funding can support business growth
Illustrative example for demonstration purposes only. This does not represent actual results or guarantees. Business performance varies depending on individual circumstances.
Understanding invoice financing.
How it works and how it can support your business.
Invoice financing allows businesses to access funds by using their outstanding invoices as the basis for funding.
Instead of waiting for customers to pay, a lender or finance provider advances a percentage of the invoice value upfront, with the remaining balance (minus fees) released once the invoice is settled.
Lenders typically assess factors such as the creditworthiness of your customers, your invoicing history, and your business performance when determining suitable options.
Because funding is linked to your invoices, it can often be arranged quickly and can grow in line with your sales.
Funding availability will vary depending on your business profile and invoicing levels.
Tell us about your business and your funding requirements. Our team of specialists will review your enquiry and present suitable options from our network of lending partners. Apply below in minutes.
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Invoice finance is a way for businesses to access cash tied up in unpaid invoices. Instead of waiting for customers to pay, you can receive a percentage of the invoice value upfront.
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Once you issue an invoice, a lender can advance a large percentage of its value. The remaining balance, minus any fees, is released once your customer pays the invoice in full.
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Funding can often be arranged quickly, with many businesses receiving funds within a few hours or up to a few woking days after invoices are approved.
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This depends on the type of invoice finance. Some facilities involve customer awareness, while others can remain confidential. Options will vary depending on the lender.
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Lenders usually consider the creditworthiness of your customers, your invoicing history, and your business performance when determining suitable options.
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Invoice finance is generally suitable for businesses that invoice other businesses (B2B). It may not be suitable for businesses that deal directly with consumers.
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Most lenders aim to work professionally and transparently. Depending on the structure, customer interaction can either be handled by you or managed in a way that maintains your relationships.
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Yes, as your invoicing increases, the amount of funding available can also increase, making it a scalable solution.
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Tell us about your business and your invoicing needs. Our team will review your enquiry and present suitable options from our network of lending partners.
Funding that supports your business moving forward.
We help growing businesses access flexible and financial solutions designed to support growth, stability, and opportunity.
1.5x
Borrow up to 1.5x your monthly revenue.
No early repayment fees.
*Subject to lender approval.