Invoice Finance That Turns Unpaid Invoices Into Instant Cash Flow
Waiting 30, 60, or even 90 days to get paid can strangle even the healthiest business. Wages still need to be paid, stock still needs to be ordered, and opportunities don’t wait around for outstanding invoices to clear. Invoice finance solves this by unlocking the cash tied up in your unpaid invoices, often within 24 hours.At Dreamcatcher Finance, we connect business owners with 70+ lending partners who specialise in invoice finance, debtor finance, and invoice factoring. Whether you’re managing seasonal cash flow gaps or funding rapid growth, our team of former bankers will match you with a facility that keeps your business moving, without the long wait for customer payments.
Get started with invoice finance.
What Is Invoice Finance?
Invoice finance is a form of cash flow finance that allows you to borrow against the value of your unpaid invoices. Instead of waiting weeks or months for customers to pay, you can access a large portion of that value upfront, typically up to 80–90%, with the remainder released once your customer pays in full, minus a small fee.
Types Of Invoice Finance We Offer
Who Can Benefit
- Businesses experiencing cash flow gaps due to slow-paying customers
- B2B businesses that regularly invoice on 30, 60, or 90-day terms
- Start-ups and growing businesses needing working capital without taking on traditional debt
- Businesses with a strong sales ledger but limited access to conventional bank funding
- Owners wanting to fund payroll, stock, or expansion without waiting on payment cycles
How It Works
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Why Choose Us for Invoice Finance
- We compare a broad panel of specialist invoice finance providers to help you secure a competitive solution
- Our experienced finance specialists understand business lending and guide you through every step with expert advice.
- Unlock funds tied up in unpaid invoices, with many facilities providing access to cash within 24 hours of approval.
- From invoice factoring and discounting to debtor and selective invoice finance, we match you with the right facility for your needs.
- We handle the lender comparison and application process, making it quick and straightforward to secure funding.
- Improve cash flow, cover payroll, purchase stock, and seize new opportunities without waiting for customer payments.
Frequently Asked Questions
How quickly can I receive funds through invoice finance?
Many invoice finance facilities can provide funding within 24 hours of approval, depending on the lender and your business circumstances.
How much can I borrow against my invoices?
Most lenders advance between 80% and 90% of the value of approved unpaid invoices, with the remaining balance released after payment, less applicable fees.
What's the difference between invoice factoring and invoice discounting?
With invoice factoring, the finance provider manages your debtor collections. With invoice discounting, you continue collecting payments from your customers while borrowing against your invoices.
Who is eligible for invoice finance?
Invoice finance is ideal for businesses that invoice other businesses on payment terms, particularly those with regular outstanding invoices and ongoing cash flow needs.
Can start-ups apply for invoice finance?
Yes. Many growing businesses and start-ups can qualify for invoice finance if they have creditworthy customers and a strong sales ledger.
Will my customers know I'm using invoice finance?
It depends on the type of facility. Invoice discounting is often confidential, while invoice factoring generally involves the finance provider managing collections directly.
Can I finance individual invoices instead of my entire ledger?
Yes. Selective invoice finance allows you to fund specific invoices rather than all outstanding invoices, making it a flexible option for occasional cash flow requirements.
What can invoice finance be used for?
Businesses commonly use invoice finance to cover payroll, purchase stock, manage operating expenses, invest in growth opportunities, or smooth seasonal cash flow fluctuations.
Why choose Dreamcatcher Finance for invoice finance?
Dreamcatcher Finance compares solutions from over 70 lending partners and provides expert guidance from experienced former bankers, helping you secure an invoice finance facility that suits your business goals quickly and efficiently.
