Simple Factoring for Small Business
Fast, Affordable Invoice Factoring for Small UK Businesses
If you run a small business with an annual turnover of at least £60,000 and you invoice other businesses, our panel of trusted funders could offer you fast, simple and cost effective invoice factoring.
Whether you operate in construction, logistics, recruitment or any other B2B sector, we can help you release cash tied up in unpaid invoices, without the red tape or high costs of traditional factoring.
Why Small Businesses Choose Our Simple Factoring Solutions Service
- Available to UK B2B companies from just £60k turnover
- Construction sector welcome (most providers don’t!)
- Choose selective or whole-ledger factoring
- Transparent costs and low minimum fees
- Quick setup, fast access to cash (often within 24–48 hours)
- Debtor concentrations no issue (subject to creditworthiness of debtor)
- Insurance available as an add on
- CCJs / Poor financials not normally a problem
Support for the Construction Sector
Many traditional lenders avoid construction factoring due to perceived risk and complexity. But through our specialist funders, we can support a wide range of trades and contractors in the construction supply chain.
From scaffolders to subcontractors, if you invoice other businesses and suffer from slow payments, we can help you bridge the gap, without the paperwork nightmare.
How Low Cost Factoring works
- You invoice your customer as usual
- Our funder advances up to 70-95% of the invoice value within 24–48 hours
- Once your customer pays, you receive the remaining balance (minus fees)
- It’s that simple. No complex contracts. No need to factor every invoice. Just flexible, reliable cash flow when you need it.
Why Use a Factoring Broker Like Us?
We’re not tied to any single provider. That means we can:
- Match you with the best lender for your specific needs
- Offer factoring to sectors other brokers and banks often reject
- Find deals with lower fees, fewer restrictions and faster service
We’ll assess your business and introduce you to funders who genuinely want to support small, growing businesses, including those in construction.
Small Business Factoring FAQs
What’s the minimum turnover?
An annual turnover of approximately £60000 is required to make a factoring service cost effective.
Can I choose which invoices to factor?
Yes, some of our lenders offer selective invoice finance / spot factoring and some offer selective customer invoice finance, in other words you factor every invoice for that particular customer.
Do you support startups?
Yes, as long as you meet the minimum turnover and invoice B2B customers.
Can I use factoring if I have poor credit, ccjs or my business has poor financial history?
Often the simple answer is yes! Factoring requires more on the collectivity of your debt, are your customers good for the money and is the debt collectable.
What sectors do you support?
All B2B sectors, including construction, recruitment, manufacturing, haulage, and more.
How fast can I get funding?
Typically within 1–2 working days from approval.
Get started today
If you’re a UK business invoicing other businesses, and your turnover is over £60,000, you may qualify for this simple, low cost factoring service. As it’s easy set up and fast, you could be getting funding in days.
Call us on 01554 562563 or fill out our quick enquiry form to get started. There’s no obligation—just fast, friendly advice from experienced brokers who understand small business cash flow.
Our sister company, Business Finance Direct can help you with businessloans or asset finance.