FINANCE OPTIONS

Applications for Payment Finance - Get a Quote

Applications for Payment Finance help UK businesses improve cash flow by advancing funds against sales invoices or purchase orders. This finance product is used to bridge the gap between issuing an invoice or order and receiving payment. It allows companies to operate efficiently by providing working capital without waiting for customers to pay. Payment Finance is especially useful for businesses experiencing delays in customer payments, enabling them to meet operational costs, pay staff, and invest in growth while waiting for invoices or orders to be settled.

Payment Finance

Secure up to £1,000,000 in Payment Finance with Funding Agent.

  • Fastest and easiest application process
  • Dedicated support
  • Loan disbursed within 24 hours
  • No additional charges for early repayment
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Benefits of Payment Finance

Payment Finance supports businesses that work on credit by offering tailored financial solutions to address cash flow shortfalls. With flexible borrowing options, competitive monthly rates, and quick decisions, Payment Finance can help businesses fulfil orders and grow without disruptions caused by late payments.

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Improved cash flow
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Quick payment processing
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Enhanced customer experience

SCALE YOUR BUSINESS TO NEW HEIGHTS

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Types of Payment Finance

Invoice Finance

Invoice Finance allows UK-registered businesses with B2B sales on credit to unlock up to 90% of invoice value, supporting cash flow between billing and payment.

Invoice Finance

With Invoice Finance, you can submit outstanding invoices to a lender and receive an advance typically up to 90% of the invoice value. The advance is then repaid when your client pays the invoice. This type is suitable for companies in manufacturing, wholesale, and logistics. Typical amounts range from £10,000 to £1,000,000 with lending terms of 1 to 12 months. Decisions usually take 1 to 2 weeks, with interest rates of 1.5% to 3% per month.

Purchase Order Finance

Purchase Order Finance helps fund raw material or goods purchases needed to fulfil large customer orders, so you can take on bigger jobs without upfront capital.

Purchase Order Finance

By submitting confirmed purchase orders to a lender, the lender pays your suppliers directly, allowing you to complete the order. This is valuable for retail, distribution, or manufacturing businesses expecting large orders. Available for amounts from £20,000 to £750,000, with terms of 3 to 6 months and interest rates between 1.75% and 3.5% per month. Decisions typically take 2 to 3 weeks.

Trade Finance

Trade Finance assists companies trading internationally by providing funding to manage goods flow and payments across borders, including letters of credit.

Trade Finance

Trade Finance is designed for import/export businesses and international distributors. The lender may issue letters of credit and other financial instruments to guarantee supplier payments and manage currency risk. Borrow between £50,000 and £5,000,000 for 1 to 18 months. Decision times are 3 to 4 weeks, with interest rates from 1% to 3% per month.

Typical Funding Journeys on Funding Agent

Submit your funding request
Our platform enriches your application using business data
Your request is matched to suitable lenders
Receive offers and proceed with the best option

How Funding Agent Helps You Secure Payment Finance

Apply Online

Provide your business details using our online application form and select which Payment Finance option you are interested in. This step helps Funding Agent understand your needs.

Get Matched

Funding Agent compares your information with a wide panel of Payment Finance lenders, selecting suitable matches based on your sector and application details.

Receive Funds

Complete lender paperwork and supply any outstanding documents. After approval, funds are released in line with the chosen Payment Finance agreement.

Get Funding For your business

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
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Effortlessly explore a comprehensive database of lenders and organize potential funding sources that align with your business needs.​

FAQ’S

What is the typical amount I can borrow through Payment Finance?
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What costs are involved in Payment Finance?
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