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Invoice Finance Solutions

Invoice finance is the catch-all term for products that turn your unpaid invoices into ready-to-use cash.
 
You’ve done the work, delivered the goods, used the materials, put in the hours. But instead of waiting 30, 60, or 90 days for your customer to pay, invoice finance gets you the money now. It’s simple: Get Paid, Stay Sane.
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Invoice Discounting

  • Unlock up to 90% of your invoice value upfront

  • You stay in control of your own credit management and customer relationships

  • The remaining 10% is released once your customer pays

  • Modern online portals make it easy to upload invoices and access funding

  • Optional bad debt protection if your customer can’t pay

  • Prefer your own cover? We can help you find a stand-alone credit insurance policy tailored to your needs

 

Factoring

  • Unlocks cash tied up in unpaid invoices

  • Includes full credit control - a dedicated team chases payments for you

  • Ideal for businesses without in-house credit control or back-office capacity

  • Lets you focus on growing your business, not chasing debt

  • Confidential options available - customers see your branding, not the lender's

  • Feels like an extension of your own team, managing cash flow without the stress

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Spot Factoring

  • Only fund what you need - no long-term commitment
  • Ideal for one-off deals or occasional cash flow gaps
  • Keep control of your customer relationships
  • Quick approval and fast funding
  • No impact on your wider sales ledger

Spot Factoring

  • No long-term contracts — use it only when you need it

  • Choose individual invoices to fund — even just one

  • Get instant upfront cash to ease cash flow pressure

  • No ongoing commitments or hidden strings

  • Fast and flexible — perfect for ad-hoc or seasonal needs

  • Keeps your business moving without bottlenecks

How much could you unlock from your current sales ledger?

Wholesale & Distribution85
Construction70
Manufacturing80
Import/Export75
Trade Suppliers82
Retail (with trade customers)65
Recruitment90

Unlock Your Cash

Total unpaid invoices owed to you by customers.
We can only support B2B invoices (not consumer sales).
Typical number of days customers take to pay.

Business Loans

When the bank says no, we broker the yes

A business loan can be the difference between spinning your wheels and speeding up.

We’re not lenders. We’re brokers.
That means we scan the whole market – not just the usual big names – to find the right deal for you.

Whether it’s to:

Stock up before a busy season

Cover payroll without the panic

Invest in new gear

Or just keep the engine running

Let’s find the funding that fits.

We’ll connect you with someone who gets it - and gets moving fast.

No fluff. No faff. Just sharp, simple funding.

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Why it matters:

 ✔️Plug cash gaps, power growth
Loans to help with stock, payroll or expansion. No stress.

✔️ Whole market access
We’re brokers - we match you with the best fit.

✔️ Quick, no-nonsense funding
Plain talk. Fast results.

✔️ You’re in control
Secured or unsecured. Short or long. Your choice.

Trade Finance

You trade. We’ll line up the finance. Simple

Got suppliers overseas asking for payment upfront? Stuck waiting for your goods to land before you can invoice and get paid?

That’s where Trade Finance comes in. It bridges the cash gap between paying your supplier and getting paid by your customer.

Here’s how it works:

The lender pays your supplier on your behalf (in USD, EUR, or even VND)

You repay them once your goods land and your customer pays

You stay cash-flow positive and stress-free

Nudge - Trade Finance - TRANSPARENT

Why it matters:
✔️ No more upfront supplier stress
We help you cover your supplier payments so your cash isn't tied up before the goods even ship.

✔️ Cash flow that actually flows
Keep operations running and opportunities moving - no more waiting around for invoices to clear.

✔️ Confidence to trade bigger
Say yes to larger orders, better pricing, and international deals without the cash crunch.

✔️ Tailored, flexible funding
We match you with the right lender who understands your supply chain and business rhythm.

Bad Debt Protection

Protect your cash. Sleep at night.

Even great customers can go bump in the night - and when they do, you don’t want your business going down with them.

Bad Debt Protection (BDP) is your financial airbag. If a customer goes bust, you still get paid. Simple.

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Why it matters:
✔️Get paid even if your customer can’t

✔️ Peace of mind when offering credit terms

✔️ Protect your cash flow, your team, and your sanity

✔️ More confidence to grow, pitch big, and take on new clients

Contact Us

Stop waiting to get paid. Let’s fix it.

  • hello@optimisedfactoring.co.uk

  • 0333 577 4779

 

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