Invoice Factoring & Finance Specialists

Turn your invoices into
instant working capital

Stop waiting 30, 60, or 90 days for customers to pay. Aim Financial Solutions releases up to 90% of your invoice value within 24 hours — so your business keeps moving.

£100m+
Funding arranged for UK SMEs
90%
Released against invoices
25 yrs
Commercial finance expertise
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No cost · No credit searches · No obligation. We typically respond within 2 hours.

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A member of the Aim team will be in touch within 2 hours. In the meantime, call us on 01392 241669.

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Whole-of-market access
No credit searches
Excellent on Google Reviews
Funds in as little as 24hrs
Based in Exeter, serving UK-wide

Invoice finance explained simply

You've done the work. You've raised the invoice. You just shouldn't have to wait to be paid.

  • Stop the cash flow squeeze. Invoice finance bridges the gap between raising an invoice and getting paid, giving you real working capital right now.
  • No property security needed. Unlike bank loans, most invoice finance facilities are secured against your debtors — not your home or assets.
  • It grows with you. As your invoicing increases, your facility limit increases too. Perfect for fast-growing businesses.
  • Already have a facility? We regularly save clients thousands by reviewing their existing terms and switching to a better-value provider.
How the money flows
1
You raise an invoice

Complete a job or deliver goods to your business customer and raise your invoice as normal.

2
Assign it to your funder

Your invoice finance provider advances up to 90% of the invoice value — usually within 24 hours.

3
Your customer pays

When your customer settles the invoice, the funder releases the remaining balance, minus their small fee.

4
You receive the balance

The remaining 10% (less fees) is transferred to you. Repeat for every invoice.

Find the right facility for your business

As a whole-of-market broker, we compare dozens of lenders to match you with the most suitable and cost-effective structure.

Confidential
Invoice Discounting

Access the same funding as factoring but retain full control of your own credit control — your customers never know a third party is involved.

Ideal for: Established businesses with strong internal credit teams
Flexible
Selective Invoice Finance

Choose which specific invoices or customers to finance. No whole-ledger commitment required — maximum flexibility for seasonal or project-based businesses.

Ideal for: Seasonal businesses or those with occasional cash flow gaps
Construction Finance

Specialist solutions for contractors and sub-contractors dealing with CIS deductions, retentions, and Application for Payment (AfP) invoicing.

Ideal for: Building, civil engineering & specialist trades
Recruitment Finance

Purpose-built for recruitment agencies needing to cover weekly payroll before client payment terms are met. Fund temp and contract placements with ease.

Ideal for: Recruitment and staffing agencies
Not sure which is right for you?

Our advisers will take the time to understand your business and recommend the most appropriate and cost-effective solution.

Talk to an Adviser

We quit the banks to work for you

Founded in 2019 after 25 years inside commercial banking, we know how lenders think — and we use that knowledge to get you better terms.

£100m+
Arranged for UK SMEs

In just five years, we've helped hundreds of UK business owners access the funding they need to grow.

2 hrs
Average response time

We respect your time. Same-day indicative offers as standard for all enquiries.

30+
Lenders on our panel

Whole-of-market access means we're not tied to any one provider — we find what's genuinely best for you.

5★
Google Reviews rating

Consistently excellent feedback from real clients who recommend us without hesitation.

Built for UK SMEs across all sectors

If your business raises B2B invoices and has to wait to be paid, invoice finance can work for you — whatever your industry.

🏗️Construction
🚚Transport & Logistics
👥Recruitment
🏭Manufacturing
💻IT & Technology
🍽️Food & FMCG
⚕️Healthcare
🔧Engineering
🌿Agriculture
📦Wholesale & Distribution

Signs that invoice finance could help you right now

Customers taking 30–90 days to pay

Long payment terms are the most common trigger. Invoice finance converts your debtor book into immediate cash.

📈
Winning new contracts you can't fund

Growth is only good if you can finance it. Invoice finance scales automatically with your sales.

💸
Struggling to meet payroll or supplier bills

Invoice finance ensures your staff get paid and suppliers stay onside — even with a lumpy cash flow.

🔄
Existing facility — but feeling overcharged?

The market is competitive. We regularly renegotiate or switch clients to significantly better terms.

Trusted by UK business owners

★★★★★
Excellent Based on Google Reviews
★★★★★

Shaun is friendly and professional and he quickly helped us access the funding that we needed. I would highly recommend.

SG
Simon Green
★★★★★

Shaun has been looking after our business for a number of years now. Always great service. He has helped with many lines of funding — always a phone call away.

IT
Imran Talukder
★★★★★

Shaun and the team go the extra mile to ensure the best funding option is obtained. The support and service they give is truly excellent.

EH
Eian Hardacre
★★★★★

Shaun single-handedly helped aid the refinancing of our business. His communication and knowledge are second to none — he even supported us while on holiday!

NH
Nick H.
★★★★★

I have had the pleasure of working with Shaun for many years. He consistently secures the most favourable rates and possesses an unrivalled ability to see transactions through to completion.

SR
Saba Rehman
★★★★★

We would highly recommend the brokerage. We found them extremely knowledgeable in their field, friendly, but thoroughly professional throughout.

JS
Jan Saunders

Everything you need to know

What is the difference between factoring and invoice discounting?
+
Invoice factoring means the finance company takes over your credit control — they chase your customers for payment. Invoice discounting gives you the same cash advance, but you keep control of your own sales ledger and credit management. Most customers never know you're using a facility. We'll advise which is better suited to your business at no cost.
How quickly can I access funds?
+
Most facilities can be set up within 5–10 working days. Once established, funds against new invoices are typically released within 24 hours of submission. In some cases, emergency or fast-track arrangements can be made in as little as 48 hours from application to first drawdown.
Will my customers know I'm using invoice finance?
+
Not necessarily. With invoice discounting, confidentiality is maintained — your customers pay you as normal, and there is no disclosure that a funder is involved. With factoring, customers are notified as their payments go directly to the funder. We can discuss which approach suits your client relationships.
What does invoice finance actually cost?
+
Costs vary by provider, facility size, and your debtor profile, but typically consist of two elements: a service charge (a percentage of turnover) and a discount charge (similar to overdraft interest on drawn funds). As whole-of-market brokers, we compare providers to find genuinely competitive rates — and our service is free to you; we are paid by the lender.
Can I switch from my existing provider?
+
Yes. Switching is more straightforward than most people expect. We handle the transition process and negotiate your exit terms. Many clients who switch save a significant amount on fees, or benefit from a much better service. We always start with a free review of your current facility so you can make an informed comparison.
Do I need a long trading history to qualify?
+
No. We have access to specialist start-up and new business invoice finance providers. While some mainstream funders prefer 12+ months of accounts, there are lenders who will consider businesses from day one of trading, provided you invoice creditworthy commercial customers. We specialise in finding solutions for businesses at all stages.

Ready to unlock the cash in your invoices?

Get a bespoke quote in hours. Our advisers have 25 years of commercial finance experience — and we work for you, not the banks.

Or call us directly: 01392 241669