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Invoice Financing for Wholesale – Get a Quote

Invoice financing for wholesale is a financial strategy that allows businesses to enhance cash flow by leveraging unpaid invoices, providing immediate liquidity. This method is invaluable for managing long payment terms typical in large order sectors, allowing companies to sustain operations without disrupting existing credit lines.

Invoice Financing

Secure up to £1,000,000 in Invoice Financing 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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What are the benefits of Invoice Financing for Wholesale?

By using invoice financing, businesses can enhance cash flow, leverage large invoices, and maintain operational momentum despite lengthy client payment terms. With funding decisions made swiftly and amounts ranging from £10,000 to over £1,000,000, this option provides a robust financial solution for growth.

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Improved cash flow
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Quick access to funds
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Reduced credit risk

SCALE YOUR BUSINESS TO NEW HEIGHTS

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What are the different types of Invoice Financing for Wholesale?

Invoice Factoring

Invoice factoring allows businesses in the UK to access funds by selling their B2B invoices to a factoring company. With amounts ranging from £10,000 to £1,000,000, it's a viable option for those with at least six months of trading history. Learn more about invoice factoring.

Invoice Factoring

Businesses submit invoices, receiving an advance of usually 80-90% of their value. The factoring company manages collections and provides the remaining balance, minus fees, upon payment. This method suits retail wholesalers needing liquidity between receiving stock and customer payment. Typical interest rates range from 1% to 3% monthly. Calculate your factoring potential.

Invoice Discounting

Invoice discounting is suited for UK businesses with a turnover above £250,000, offering flexible fund access up to 85% of invoice values. The business maintains credit control, making it ideal for tech firms. Explore invoice discounting solutions.

Invoice Discounting

This method keeps customer payments undisclosed, allowing SMEs to pledge invoices to a lender and draw down funds transparently. Used by manufacturers handling bulk orders, it offers a discreet financing solution. Decision speeds range from 2 to 5 days. Understand the process further.

Selective Invoice Financing

Selective invoice financing provides SMEs the flexibility to finance specific high-value invoices. With advances typically ranging from £20,000 to £500,000+, it's ideal for industries like hospitality, where singular large invoices are common. Find out more about selective financing.

Selective Invoice Financing

This option allows companies to choose which invoices to finance, receiving a high percentage advance without obligating all receivables. Especially beneficial for event management firms, approval is fast, usually within 24 to 48 hours. Rates are higher, reflecting the tailored nature and value of financed invoices. Explore selective solutions.

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What is Invoice Financing for Wholesale?

Application Process Simplified

The application for invoice financing involves submitting relevant business financial details and assessing customer creditworthiness. Companies typically receive funding within 1 to 5 days after initial setup. This streamlined process, facilitated by our expertise, ensures swift liquidity access. Start your application now.

Maximising Borrowing Capacity

Regulated by the FCA, invoice financing adheres to transparent, fair practices, offering protection for businesses. Our deep understanding of compliance requirements positions us uniquely to assist in navigating these regulations. Gain insights on compliance.

Maximising Borrowing Capacity

Borrowing capacity in invoice financing involves assessing invoice values, customer creditworthiness, and business health. This flexible financial option offers advances ranging from £10,000 to £1,000,000, with rates from 1% to 4% monthly, making it competitively edge. Enhance your liquidity today.

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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

How much can I borrow with invoice financing?
How quickly can I get a decision on invoice financing?
What are the typical interest rates for invoice financing?
What are the eligibility requirements for invoice financing?

DIVE DEEPER

July 22, 2025

What Is Invoice Finance? A Smart Way for UK SMEs to Improve Cash Flow

Discover how invoice finance lets UK SMEs release up to 90 % of an invoice’s value within 24 hours. Learn types, costs, and top lenders.
August 1, 2025

Asset Finance vs Invoice Finance: Which Is Right for Your Business in 2026?

Compare asset finance and invoice finance for UK SMEs. Learn how each works, costs, benefits, and sector use cases, with Funding Agent’s calculators.
July 1, 2025

Top 10 Invoice Finance Lenders in the UK

Looking for fast access to cash tied up in unpaid invoices? Discover the Top 10 Invoice Finance Lenders in the UK, including key features, funding limits, and who they’re best suited for. This guide helps UK businesses choose the right lender for smoother cash flow.

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