Invoice finance helps UK businesses unlock cash tied up in unpaid invoices. This guide explains how invoice finance works, the difference between factoring and invoice discounting, and how it can improve cash flow.

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