Invoice Finance
Strengthen your cash flow and free up capital to grow your business with tailored Invoice Finance solutions.
“ We started working with Navigate Commercial Finance in 2023, and their support has been transformative for our financial operations. “
John Slaughter – DS Flooring Solutions
Why use Invoice Finance?
The Navigate Commercial Finance Advantage
With a combined 100+ years working in business and finance, Navigate understands the market and has forged excellent relationships with key decision-makers at a wide range of pragmatic lenders giving us the best chance to secure your finance. We will take the stress out of finding the right finance solution with the most appropriate funding partner allowing you to focus on running your business – you have enough going on!
🏆 Winner – Young Professionals Awards Midlands 2025 for Adam Cooksley
🎖️Shortlisted – Business Moneyfacts Awards Invoice Finance Broker of the year 2026
🎖️Shortlisted – Business Moneyfacts Awards Invoice Finance Broker of the year 2025
🎖️Shortlisted – SME News Midlands Enterprise Awards 2023
tailor your working capital requirements with Invoice Finance
Strong cash flow management is crucial for maintaining the health and growth of any business. Invoice Finance is a powerful solution for businesses to unlock funds tied up in unpaid invoices, providing immediate liquidity to support working capital and maximise growth opportunities.
This solution can be used to support growth, business acquisitions, shareholder changes such as MBO’s or MBI’s, or general day-to-day working capital. Rather than wait 60-90 days for payment, invoices are funded once the transaction is complete, or service provided. Whole turnover or spot facilities (select specific invoices or customers for funding) can be arranged.
At Navigate Commercial Finance, we specialise in delivering bespoke Invoice Finance solutions.
“They were a pleasure to work with and I’d have no hesitation in using Navigate should we require business funding in the future.”
Andrew Jones
Cooper Parry
“Navigate CF are a pleasure to deal with, offering a unique blend of industry knowledge and support with a first-class understanding of the commercial finance market.”
Martin Baker
Close Brothers Invoice Finance
“Paul at Navigate Commercial Finance was professional, efficient and made the process simple and easy to do… It has already had a vast impact on our day-to-day business activities.”
Dominic Delfino
Famiglia Castagnetta
“Paul knows the commercial funding market very well and I would highly recommend Navigate to any business in need of raising working capital finance.”
Kully Bargota
Bibby Financial Services
“With constant engagement, we met the deadline and now have the finance required to support our exciting plans – great team work throughout!”
Chris Smith
CAPS Systems Limited
“Adam and the Navigate team have been a huge part of our success, helping us secure funding for the second time… The process has been seamless.”
Jack Gibson
Fitness Worx
“We started working with Navigate Commercial Finance in 2023, and their support has been transformative for our financial operations.”
John Slaughter
DS Flooring Solutions Ltd
“Adam is an absolute joy to work with… knowledgeable about the whole market and takes the time to really understand the client’s needs.”
Angie Preece
BCRS Business Loans
“Paul and his team provided deep knowledge and expertise to carefully guide us through the entire process… It has been absolutely invaluable to our business.”
Sarah Summerfield
Agile Supply Chain Management
“We can’t recommend Navigate Commercial Finance highly enough… A motivated team who provide a fantastic service and offer value for money.”
Sarah Roberts
Antlers CR
“Throughout the process, I genuinely felt that Navigate were there to support my business growth, not just to complete a transaction.”
Kay Venables
Fishers Property & Lettings Management
“What truly sets Navigate apart is their consultative style. They don’t sell—they listen, understand, and advise.”
Daniel Montgomery
MDCA Limited
Case Study
A telecoms infrastructure installation business (think fibre optic etc.) based in Worcestershire.
Due to growing pains and debtors imposing extended credit terms to 30 days end-of month, this created cash flow pressure as subbies are paid fortnightly and payroll is monthly.
Adam Cooksley, Navigate’s Business Development Director, has been working with Worcester businesses to help accelerate their growth and so he quickly got to work understanding the business and developing a feel for which of our panel of lenders would be most suitable.
Invoice Finance from Lloyds Bank was considered the most suitable funding solution to resolve the working capital pressure as rather than wait up to 60-days for payment, on completion of the work the invoice can be funded resulting in subbies and employees being paid on time.
Whilst the sales ledger was concentrated to just few debtors, they were all creditworthy, supported by clear and robust audit trails.
With several profitable years behind them and a strengthening balance sheet, this was considered a bankable opportunity.
The bank lender secured was comfortable with both the concentrated ledger and the nuances of light construction so were able to price sensitively and move at pace to ensure subbies and month-end payroll were met.
A tailored facility that provides the headroom needed for the business to keep growing with confidence despite customers imposing extended payment terms.
Invoice Finance is a powerful solution for businesses to unlock funds tied up in unpaid invoices, providing immediate liquidity to support working capital and maximise growth opportunities.
This solution can be used to support growth, business acquisitions, shareholder changes such as MBO’s or MBI’s, or general day-to-day working capital. Rather than wait 60-90 days for payment, invoices are funded once the transaction is complete, or service provided. Whole turnover or spot facilities (select specific invoices or customers for funding) can be arranged.
Invoice Finance FAQ’S
Typical Invoice Finance SOLUTIONS
Funding Solutions
UK Business Landscape
The United Kingdom remains a global economic heavyweight, generating over £2.5 trillion in Gross Value Added (GVA) annually and supporting a workforce of 33 million. As the world’s sixth-largest economy, it acts as a premier international hub for finance, legal services, and trade, driving critical supply chains across Europe and the Atlantic while commanding significant soft power influence.
While historically a “services superpower” (accounting for 80% of output), the UK’s modern strengths lie in high-value innovation: fintech, life sciences, and advanced manufacturing in aerospace and green energy. It hosts Europe’s largest technology ecosystem, now valued at over $1 trillion. Following recent volatility, the economic outlook has stabilised; growth is forecast to reach 1.5%–1.6% by 2026 (IMF/OBR). Driven by falling inflation and the net-zero transition, the UK is positioned to leverage these high-growth sectors for sustainable long-term expansion.