FCAAuthorised & Regulated · No. 943426 · Lending in the United Kingdom and internationally since 2016
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Invoice finance, without the runaround.

Unlock the value tied up in your unpaid invoices — selectively, confidentially, at our flat 1.5% APR. Single invoices from £25,000, full ledger facilities up to £10 million.

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What invoice finance can fund

Invoice finance solves a structural cash flow problem that affects almost every B2B business: you have done the work, raised the invoice, and now wait 30, 60, or 90 days for payment while continuing to pay your own staff, suppliers, and overheads.

We advance up to 90% of the face value of your unpaid invoice immediately, releasing the working capital tied up in receivables. When the customer pays, the balance (less our 1.5% APR cost) is released to you.

Who this loan is for

  • B2B service businesses with major customers on extended payment terms (60–90 days)
  • Manufacturers and distributors with concentrated customer accounts
  • Recruitment and staffing businesses funding payroll between client billing cycles
  • Construction and engineering firms with milestone billing and slow customer settlement
  • Logistics, freight, and transport businesses with credit-controlled customers
  • Consultancies and professional services firms with invoice payment delays
  • Wholesalers funding inventory while waiting for retailer payment
Our largest customer is on 90-day terms. ASAF's selective invoice finance lets us pull cash forward on those specific invoices without committing the whole ledger or paying for facilities we don't need. — Northwood Industrial Supplies · invoice finance, £680k facility

How invoice finance is structured

We offer two structures: selective invoice finance (you choose which invoices to advance) and confidential whole-ledger discounting (your customers continue to pay you directly, with no involvement from us in the customer relationship).

Selective invoice finance is best for businesses with a few large invoices that drive cash flow. You pick the specific invoices to advance — typically your largest or longest-dated — and pay 1.5% APR only on the funds drawn against those specific invoices.

Confidential whole-ledger discounting is best for businesses that want to advance against most or all of their receivables on an ongoing basis. The facility scales with your sales ledger, with monthly drawdowns matched to your invoicing cycle.

Up to 90% advance rate

Receive up to 90% of the invoice face value immediately. Balance settled when customer pays.

Confidential structure

Customers continue to pay you directly. No factor involvement, no third-party badging on your invoices.

Selective or full ledger

Advance only the invoices you choose, or the whole ledger. Pay only on the funds you actually draw.

The process

From application to funded,
in four steps.

Each step has a defined timeline and a real person attached to your file. No black-box scoring, no run-around.

1
Apply

~3 minutes online

2
Review

Manager calls within 24 hours

3
Decision

Up to 5 working days

4
Funded

Same day on completion

Frequently asked

The honest answers,
before you ask.

With our confidential structure, no. Your customers continue to pay you directly into your normal bank account, and there is no third-party badging on your invoices. With our selective structure, the customer's payment is redirected to a designated account once we have advanced funds — but this is structured as a payment-redirection notice, not a factor takeover.
We offer both recourse and non-recourse structures. With recourse (the default for most facilities), you remain liable if the customer does not pay — but you also retain the higher advance rate. With non-recourse, we take the credit risk on specific approved customers, at a slightly lower advance rate. Your relationship manager will help you choose.
Yes — that is what selective invoice finance is for. You choose the specific invoices, typically your largest or longest-dated, and we advance against those only. There is no obligation to put the whole ledger through the facility.
Traditional factoring involves outsourcing your credit control to the factor — they chase your customers, manage the ledger, and become visible in the customer relationship. Our invoice finance is purely a funding facility — you continue to manage your own credit control and customer relationships. The economics are also different: we charge 1.5% APR on advanced funds, not the 1–3% per-invoice fee that factors typically charge.
Once the facility is set up (typically 5–10 working days for first-time setup), individual invoice advances are same-day for invoices submitted before 14:00. Funds are typically in your account within 4 hours of submission.

Begin your invoice finance facility

Selective or whole-ledger. Confidential or disclosed. Up to 90% advance, 1.5% APR. Three minutes online to start.

Begin your application → Speak to our team