If you’re using a bank-run invoice finance facility, you’ll know the feeling: you get the funding, but the invoice finance credit control support you expected isn’t really there. You’re still the one chasing overdue invoices, dealing with late-paying customers, and having awkward conversations — all while trying to run and grow your business. The truth is, most banks offer invoice finance as a lending product, not a hands-on service. That means credit control is often left to

When invoices are paid late, opportunities are lost and growth stalls. Invoice finance ensures steady cashflow, so you can focus on running your business.

Late payments are a growing issue for UK SMEs, with 45% reporting delays and 24% waiting up to 60 days, per the 2025 GoCardless-FSB report. Invoice financing helps by turning unpaid invoices into quick cash, easing cash flow woes and supporting growth.

Small businesses can suffocate from late payments and unpredictable cash flow, despite strong sales numbers. Your business might look...

The Impact of Late Payments on UK Businesses: Understanding the Cost