FINANCE OPTIONS

^Supplier Finance – Get a Quote Today

Q: What amounts can I borrow with Supplier Finance?

Supplier Finance is available from £10,000 up to £10,000,000, with the actual amount depending on your business turnover, supplier agreements, and transaction volumes.

Q: How quickly can I get a decision and funding?

Typical decisions are made within 1 to 2 weeks. Once approved, funds are generally released within one week. The process is smoothest with complete, accurate documentation.

Q: What are the typical costs involved?

Interest rates for Supplier Finance normally range from 1% to 5%. Additional arrangement fees or early repayment charges may apply, with costs influenced by your business profile and chosen facility subtype.

Q: Who regulates Supplier Finance and what should I know?

Supplier Finance is regulated by the Financial Conduct Authority for commercial funding agreements, ensuring fair terms and transparent processes for UK SMEs.

Supplier Finance is designed to help UK SMEs optimise cash flow by enabling prompt supplier payments without straining immediate cash resources. This type of finance lets businesses settle invoices quickly, often gaining early payment discounts while preserving working capital. Supplier Finance can benefit companies by facilitating strong supplier relationships, supporting growth, and providing flexibility across a variety of sectors. It is a practical solution for businesses wishing to unlock value from their supply chains and smooth out cash flow fluctuations.

Supplier Finance

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

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

Apply Now

Key ^Benefits of Supplier Finance

Supplier Finance can transform how you manage business payments and relationships. This type of funding gives you more flexibility with payment terms, helping you maintain positive cash flow, negotiate better supplier deals, and benefit from early payment savings. Here are the main advantages for SMEs.

Improved cash flow

Stronger supplier relationships

Reduced risk for suppliers

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Supplier Finance

Reverse Factoring

Reverse Factoring enables businesses with solid supplier relationships to pay suppliers promptly. Lenders pay suppliers upfront and are repaid by the business later, supporting liquidity and early payment incentives.

Reverse Factoring

With Reverse Factoring, the supplier ships goods and issues an invoice, and the finance provider pays the supplier immediately. The business repays the finance provider within 1 to 6 months, typically at rates between 1% and 3% per invoice. Amounts can range from £20,000 to £5,000,000. This approach strengthens supplier partnerships and helps businesses achieve early payment discounts, commonly benefiting manufacturing, retail, and construction sectors.

Trade Finance

Trade Finance is suitable for businesses involved in importing or exporting goods, bridging the cash flow gap between purchasing goods and final sale, particularly for those with a clear trading track record.

Trade Finance

Trade Finance allows the finance provider to pay your overseas or local exporter directly, with repayment due once goods are received and, typically, sold. Amounts range from £50,000 to £10,000,000, for terms of 3 to 12 months, at rates 2% to 5% above LIBOR. This financing enables SMEs to trade globally without undue cash flow pressure, supporting wholesale and import/export businesses.

Supplier Discount Finance

Supplier Discount Finance provides upfront funding so businesses can pay suppliers early and access negotiated discounts, ideally where early payment offers are agreed.

Supplier Discount Finance

Through Supplier Discount Finance, your business secures financing to pay suppliers ahead of their terms. You then repay the lender over terms between 1 and 3 months, usually at 1% per month. Typical funding amounts range from £10,000 to £1,000,000. This can effectively lower the cost of goods for sectors such as retail, food service, and apparel.

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

Accessing Supplier Finance with Funding Agent

Submit Your Application

Provide details about your business, key suppliers, and relevant supplier agreements using our online application form in our simple application process.

Receive Offers

We connect you to lenders who match your criteria, enabling you to compare terms, amounts, and pricing tailored to your circumstances.

Choose and Secure Funds

Select the most suitable finance offer. Upon acceptance, you receive funds to manage supplier payments efficiently and take advantage of any discounts.

Get Funding For your business

Generate offers

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.

FAQ’S

What amounts can I borrow with Supplier Finance?

How quickly can I get a decision and funding?

What are the typical costs involved?

Who regulates Supplier Finance and what should I know?

DIVE DEEPER

July 24, 2025

We Like To Keep Things Simple

Match with

150+

Lenders

Loans from

£1000
to
£1m

Find all our resources

^Supplier Finance – Get a Quote Today

Key ^Benefits of Supplier Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Supplier Finance

Reverse Factoring

Reverse Factoring

Trade Finance

Trade Finance

Supplier Discount Finance

Supplier Discount Finance

Typical Funding Journeys on Funding Agent