FINANCE OPTIONS

^Transport Invoice Finance - Get a Quote Today

Q: How much can my transport company borrow using invoice finance?

The typical borrowing range for transport invoice finance is from £10,000 to £1,000,000. The exact amount depends on factors such as your turnover, the value of your invoices, and your clients' creditworthiness.

Q: How quickly can I get funding through transport invoice finance?

Initial decisions can be made within 2 to 7 days. After approval, funds are usually available within 3 to 10 days, depending on how quickly client and invoice details can be verified.

Q: What are the costs and fees involved with invoice finance?

Costs are typically between 1% and 4% of the invoice value per month. There may also be arrangement fees and service charges, which vary with invoice volume and service level.

Q: What are the main types of transport invoice finance available?

The key types are factoring, invoice discounting, and selective invoice finance. Each type has different eligibility and features to suit logistics, courier, or haulage businesses.

Transport Invoice Finance provides a specialised way for businesses in the transport sector to unlock cash from unpaid invoices. By advancing funds against invoices, it delivers immediate working capital to cover operational costs and ensure ongoing business. This solution is particularly valuable where long payment cycles or delayed client payments can strain cash flow. Transport companies benefit from improved cash flow, operational support during slow payments, and added flexibility in how they manage working capital, allowing them to focus on service and growth.

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

Apply Now

Key ^Benefits of Transport Invoice Finance

Transport Invoice Finance offers a set of practical advantages tailored to businesses needing reliable access to cash. With pricing typically ranging from 1% to 4% of invoice value monthly, decisions can often be made within 2 to 7 days. This finance helps address urgent operational funding and supports business continuity.

Improves cash flow

Reduces payment delays

Increases working capital

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Transport Invoice Finance

Factoring

Factoring suits transport firms with annual turnover from £50,000. The lender buys outstanding invoices, manages collections, and quickly releases cash to address ongoing costs.

Factoring

In a factoring arrangement, the finance provider purchases your company’s receivables, advancing up to £500,000 for up to 12 months. The lender deals directly with your clients, so collection and administration work is outsourced. This helps logistics, freight, and courier companies manage thin margins and continue operating while waiting for payments from significant contracts.

Invoice Discounting

Invoice discounting suits transport companies with at least £200,000 turnover and a creditworthy client base. It keeps credit control in your hands while unlocking cash quickly.

Invoice Discounting

This method allows businesses to borrow against invoiced amounts, typically between £50,000 and £1,000,000, for up to 12 months. You handle your own collections, meaning clients remain unaware of your finance arrangement. Discounting is popular with haulage and shipping firms that value autonomy over their client relationships.

Selective Invoice Finance

Selective invoice finance lets transport companies fund only specific large invoices. This enables more flexible management during busy periods or when additional capital is required.

Selective Invoice Finance

This option is ideal for specialist courier and bespoke transport operators who need to access up to £1,000,000 for individual high-value invoices. Terms are usually short, running from 1 to 6 months. The business chooses which invoices to finance, making this best for managing temporary gaps in working capital tied to large or seasonal contracts.

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 to Access Transport Invoice Finance with Funding Agent

Submit Application

Go to the Funding Agent website and fill out the online application form. It only takes a few minutes to provide your company and invoice details.

Invoice Verification

Upload your recent invoices and client information. Funding Agent then verifies the legitimacy of your invoices and the credit quality of your clients, speeding up the process.

Receive Funds

Once approved, you can receive funding in days. This gives you quick access to working capital so your transport business can focus on delivering services and meeting demand.

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

How much can my transport company borrow using invoice finance?

How quickly can I get funding through transport invoice finance?

What are the costs and fees involved with invoice finance?

What are the main types of transport invoice finance available?

DIVE DEEPER

July 22, 2025

We Like To Keep Things Simple

Match with

150+

Lenders

Loans from

£1000
to
£1m

Find all our resources

^Transport Invoice Finance - Get a Quote Today

Key ^Benefits of Transport Invoice Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Transport Invoice Finance

Factoring

Factoring

Invoice Discounting

Invoice Discounting

Selective Invoice Finance

Selective Invoice Finance

Typical Funding Journeys on Funding Agent