Invoice Finance

Strengthen your cash flow and free up capital to grow your business with tailored Invoice Finance solutions.

Get a Funding Quote

Amount of Funding Required

Funding Purpose

Business turnover

Profitability

Business Name *

Contact Name *

Email *

Phone Number *

Invoice Finance

Strengthen your cash flow and free up capital to grow your business with tailored Invoice Finance solutions.

GET A FUNDING QUOTE

Amount of Funding Required

Funding Purpose

Business turnover

Profitability

Business Name *

Contact Name *

Email *

Phone Number *

Why use Invoice Finance?

Optimise
Cash Flow

Smooth out seasonal fluctuations and bridge gaps in cash flow, ensuring your business runs smoothly.

Support
Growth

Can be used to fund working capital, growth, or business acquisitions.

Instant Funding

Improve your working capital by generating up to 90%+ of the invoice value on notification of invoice.

Flexible
Funding

Whole turnover or spot facilities (select specific invoices or customers for funding).

Simplified Collections

Many Invoice Finance providers can manage collections, reducing admin time allowing you to focus on business growth.

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!

100+ Years in Banking and Finance

Key Stakeholder Lender Relationships

Access to the Right Lenders

Clear Communication Throughout

Relationship Driven

Full Turnkey Support

100+ Years in Banking and Finance

Key Stakeholder Lender Relationships

Access to the Right Lenders

Clear Communication Throughout

Relationship Driven

Full Turnkey Support

“Paul took the time to understand our business and funding requirements then mapped out solutions that were the best fit for our growth…

…plans. It is clear from working with Paul and his team that they’re experienced in their field. They were a pleasure to work with and I’d have no hesitation in using Navigate should we require business funding in the future.”

Craig Spillard, Spillard Vehicle Safety Systems

“I have known Paul for many years and he is a true professional. I have recommended Paul to several of my clients over the years and….

… he has never failed to deliver. He makes sure he fully understands the needs of the business before making his recommendations and will always think outside the box when looking for solutions. Paul knows the commercial funding market very well and I would highly recommend Navigate to any business in need of raising working capital finance”

Andrew Jones, Cooper Parry

“Navigate are a pleasure to deal with by offering a unique blend of Industry knowledge and support but with a first-class understanding of…

… the commercial finance market and each lenders credit appetite or sweet spot.

This results in the most appropriate client-focussed solution but equally allows the lender to make an informed decision at an early stage so they can support a transaction through to completion providing peace of mind all round.”

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

“Having worked with Paul for several years he will always consider and explain exactly what his clients requirements are...

As a lender this enables me to quickly get a clear grasp of what we can deliver, whilst saving the client time rather than dealing with many funders who may not be able to deliver. 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

“Due to the growth of CAPS Systems, we were looking for additional funding to match our aspirations.

We sat down with Paul who listened to our plans, kicked ideas around, and then we agreed on a plan, including a four-week timeline. 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 Ltd

“I wanted to express my gratitude for the support I received in obtaining funding for the expansion of Fitness Worx…

and would like to extend a special thanks to Adam for his exceptional assistance throughout the process. They made it incredibly easy and straightforward. Adam and the Navigate team have been a huge part of our success, helping us secure funding for the second time, which enabled us to open our 7th and 8th gyms. The process has been seamless, and I look forward to working with them again in the future. Thank you again”

Jack Gibson, Fitness Worx

“Having not had an invoice finance facility before, Paul and his team provided deep knowledge and expertise…

to carefully guide us through the entire process from initial scope to completion finding us the right facility to fit our requirements. It has been absolutely invaluable to our business”

John Slaughter, DS Flooring Solutions Ltd

“Adam is an absolute joy to work with. He’s knowledgeable about the whole market and takes the time to really understand…

the client’s needs, making them feel that they are in the right hands. He provides good concise information and background to enable a swift decision to lend. More Adam’s please!”

Angie Preece, BCRS Business Loans

“We started working with Navigate Commercial Finance in 2023, and their support has been transformative…

for our financial operations. Paul and his team took the time to understand our business inside out, helping us establish international and domestic current accounts, secure finance, and implement debt insurance, tailored to fit our needs perfectly. This winter, we faced a significant challenge: a surge in work from a key customer put pressure on our concentration limits at a critical time. Thanks to Navigate’s swift and practical approach, we secured the funding we needed within days, ensuring we could meet every commitment. They’ve been consistently available to answer follow-up questions, providing clear, practical advice every step of the way. The combination of expertise and genuine care is rare to find. We wouldn’t hesitate to recommend them.“

Sarah Summerfield, Agile Supply Chain Management

“We can’t recommend Navigate Commercial Finance highly enough, particularly our Business Development Manager, Adam Cooksley.

Adam took time to understand our business, our goals and aspirations, and paired us with the perfect Finance Partner, a responsible lender who is a wonderful fit for our organisation. Raising finance for our business was a very challenging process as we did not fit the typical “tick box” criteria required by traditional lenders. Furthermore, we required a lender who would judge our performance based on forecast data, not just historical data. Adam did not let this deter him in his search, he persisted, worked hard for us and was determined in the face of adversity until the deal was signed. Navigate Commercial Finance are highly recommended. A motivated team who provide a fantastic service and offer value for money in terms of fees.Thank you so much for playing a part in helping our business flourish, the future looks very bright thanks to your support.This winter, we faced a significant challenge: a surge in work from a key customer put pressure on our concentration limits at a critical time. Thanks to Navigate’s swift and practical approach, we secured the funding we needed within days, ensuring we could meet every commitment. They’ve been consistently available to answer follow-up questions, providing clear, practical advice every step of the way.”

Sarah Roberts, Antlers CR

“I had a fantastic experience working with Paul Varley and the team at Navigate. This was my first time…

embarking on any form of lending, and I was well outside my comfort zone, but the funding was vital to support the growth of my business. To say Paul made the process “easy” wouldn’t be entirely accurate, these types of deals never are, however from our very first conversation about the acquisition and the level of finance required, Paul guided me through every step with clarity and reassurance. As a complete novice, I was never made to feel that any question was too small or too obvious, and Paul was always on hand to explain things patiently and thoroughly.
Paul’s expertise and proactive approach played a key role in ensuring the deal ran smoothly, and we were delighted to complete just before Christmas. Throughout the process, I genuinely felt that Navigate were there to support my business growth, not just to complete a transaction. I wouldn’t hesitate to recommend Paul and Navigate to any business considering invoice finance.”

Kay Venables, Fishers

“As an accountancy firm, we regularly collaborate with Navigate Commercial Finance to support our clients’ funding needs…

and they have consistently exceeded expectations. Over the years, they have helped numerous clients secure the right commercial funding solutions, always with a tailored approach that puts the client’s interests first. What truly sets Navigate apart is their consultative style. They don’t sell—they listen, understand, and advise. Their team takes the time to fully grasp each client’s unique circumstances before recommending the most suitable options, which gives us complete confidence when making referrals. Their customer service is impeccable, combining professionalism with a genuinely personal touch. Queries are handled promptly, communication is clear throughout the process, and nothing ever feels like too much trouble. Above all, their knowledge of the invoice finance and wider commercial finance market is second to none. This expertise, paired with their commitment to finding the best outcomes, makes Navigate an invaluable partner for us and our clients alike.
We wouldn’t hesitate to recommend them.”

Daniel Montgomery, MDCA Limited

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.

Typical Invoice Finance SOLUTIONS

Invoice Discounting

Secure funds against your invoices whilst you maintain credit control. Typically confidential (customers unaware of the lender’s involvement), but can be disclosed (customers aware of the lender’s involvement).

Factoring

Receive funds whilst the lender manages credit contol.

Client Handles Own Collections (CHOCS)

Hybrid of the two above. You maintain credit control whilst customers are aware of the lenders involvement.

Spot Invoice Finance

Choose which invoices to finance, offering you flexibility and control over your sales ledger, funding and costs.

Invoice Finance FAQ’S

How quickly can I access funds through Invoice Finance?

Typically lenders can make funds available instantly up to 24-48 hours after invoices have been raised.

How long does it to take to set-up Invoice Finance?

Whole turnover or spot facilities can be concluded within 5 working days, or for larger more complex facilities, allow up to 6 weeks+.

Will my customers know I’m using Invoice Finance?

This depends on whether you choose Confidential Invoice Finance (customers unaware), or Factoring (customers aware).

Is Invoice Finance suitable for all types of businesses?

Invoice Finance is ideal for B2B companies offering credit terms. It’s used across various sectors including manufacturing, recruitment, wholesale, print services, construction, and professional services to name a few. If you want more of a steer, please contact a member of our Navigate Team.

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.

Funding Solutions

INVOICE FINANCE

Unlock cash tied up in your invoices

ASSET-BASED LENDING

Blended solution to unlock cash tied up in assets

CASH FLOW LOANS

A capital injection based on the financial viability of your business

Revolving Credit Facility

A line of credit you can repeatedly draw from and repay

Asset Finance

A loan to buy or lease equipment, machinery or vehicles

Supply Chain Finance

Extend your purchasing terms using lender finance

GROWTH GUARANTEE SCHEME

Lending facilities to support businesses with turnover up to £45M per annum

Invoice Finance

Invoice Finance