Invoice Finance
Managing cashflow is one of the most critical challenges for businesses of all sizes. At Alexanders Financial Advisory , we provide tailored invoice finance solutions that help you unlock working capital tied up in unpaid invoices—so you can maintain momentum, invest in growth and operate with confidence.
Whether you are facing long payment terms, seasonal fluctuations or rapid expansion, invoice finance can improve liquidity without adding traditional debt or diluting ownership.
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Unlock Your Cashflow
What Is Invoice Finance?
Invoice finance is a flexible funding solution that releases a proportion of the money owed to your business from outstanding invoices. Instead of waiting 30, 60 or 90+ days for customers to pay, you can access most of that value up front.
This funding becomes part of your working capital, giving you immediate access to cash to pay suppliers, cover payroll, or invest in new opportunities.
Invoice finance sits outside traditional bank loans and is typically aligned with your sales performance—growing as your invoices grow.
How It Works
Submit Your Invoices
You supply us with copies of your unpaid invoices for eligible customers.
Receive Immediate Funding
We advance a percentage (typically up to 90%) of the invoice value to your account.
Customers Pay as Normal
Your customers pay their invoices directly according to their usual terms.
Receive the Balance
Once the invoice is settled, the remaining balance (minus fees) is released to you.
This approach improves cashflow predictability without requiring additional guarantees or fixed repayments.
Why Choose Invoice Finance
Invoice finance provides several strategic benefits for businesses:
Accelerate Cashflow
Access funds tied up in unpaid invoices immediately rather than waiting for customer payment terms to elapse.
Support Growth
Use working capital to fulfil larger orders, expand operations, or invest in marketing and staff.
Reduce Pressure on Overdrafts
Avoid reliance on overdrafts or traditional loans with fixed repayment obligations.
Scale with Your Sales
As your invoicing increases, your available finance typically increases too.
With these advantages, invoice finance is particularly helpful for businesses experiencing growth, long payment cycles or seasonal fluctuations.
Who Can Benefit
Invoice finance is well suited to:
- SMEs and growing companies
- B2B service providers
- Wholesale and distribution businesses
- Manufacturers and suppliers
- Agencies and professional services firms
If your customers pay on credit terms and your working capital is constrained by slow receivables, invoice finance can transform the way you manage cashflow.
Our Approach
At Alexanders Financial Advisory, we take a personalised approach to invoice finance:
Understand Your Business
We review your customers, sales patterns, aged receivables and growth plans to determine suitability.
Tailored Solution Design
We access a wide range of specialist lenders to structure funding that aligns with your cashflow needs and commercial goals.
Transparent Terms
We explain fee structures, advance rates and terms in clear language so you understand the financial impact.
Support Throughout
From application through ongoing funding, your dedicated adviser is with you every step of the way.
Invoice Finance vs Traditional Borrowing
Unlike conventional business loans:
- Funding is linked to your sales, not credit history alone.
- There are no fixed repayment schedules.
- Growth in invoices can mean growth in available capital.
Invoice finance can be a powerful alternative or complement to existing facilities, giving you the flexibility to manage working capital more effectively.