Invoice Finance
Cash flow is the lifeblood of any business. Waiting weeks or even months for customers to pay invoices can put a serious strain on operations, limit growth opportunities, and create unnecessary stress. Invoice finance is a solution designed to bridge that gap, giving businesses the breathing room they need to thrive.
At Mair Finance, we help you unlock the money tied up in your outstanding invoices. Rather than waiting 30, 60, or even 90 days for payment, invoice finance allows you to access up to 90% of the invoice value within as little as 24 hours. It is a straightforward, powerful tool that can transform your cash flow and create stability, without the need for additional debt.
How Invoice Finance works
When you raise an invoice to a customer, instead of waiting for them to settle it on their terms, you can access most of the value immediately through an invoice finance facility. Once your customer eventually pays the invoice, the remaining balance, minus a small service fee, is released to you.
This structure means you get the working capital you need to pay staff, invest in growth, take on new work, and focus on running your business rather than worrying about when payments will arrive.
Common misconceptions about Invoice Finance
Some business owners hesitate to explore invoice finance because of myths around complexity, costs, or stigma. In reality, modern invoice finance solutions are flexible, competitive, and widely used by businesses of all sizes.
Setting up a facility is a smooth process, with support every step of the way. Costs are typically a small percentage of the invoice value, and when compared to the potential risks of delayed payments, the peace of mind and stability it offers can be invaluable.
Far from being a sign of financial weakness, using invoice finance is a smart strategy. It shows that you are managing your cash flow actively, giving your business the ability to grow without being constrained by customer payment terms.
Who benefits from Invoice Finance?
Invoice finance is suitable for businesses that trade on credit terms and have invoices payable within 30 to 90 days. It is especially useful for industries where extended payment terms are common, such as:
- Construction
- Recruitment
- Haulage and Logistics
- Manufacturing
- Wholesale and Distribution
- Professional Services
If your business regularly faces a gap between completing a job and receiving payment, invoice finance can provide the stability you need to grow with confidence.
Key benefits of Invoice Finance
immediate cash flow
Free up cash tied in invoices to meet day-to-day expenses and invest in new opportunities.
growth without limits
Scale your business by taking on larger projects or additional clients without worrying about delayed payments.
improved financial planning
Reliable cash flow makes it easier to forecast, budget, and make better business decisions.
flexibility
Facilities can grow with your sales, meaning the more you invoice, the more funding you can access.
confidential options
Some facilities allow you to maintain your customer relationships without them knowing you are using finance.
no additional debt
You are simply unlocking money already owed to your business.
“I approached Lee on behalf of one of my clients who was seeking a loan to acquire a commercial property, with his lease agreement coming to an end this year.
I had thoughts that we would have weeks of information requests and justification for the borrow based on recent banking experiences. However, I was pleasantly surprised by Lee’s approach to this application, and within a week we had everything we needed. A very successful outcome conducted with the least amount of hassle.
Both my client and I were very impressed with the result and cannot thank Lee enough for the care and attention he showed in dealing with this application.”
Why choose Mair Finance for your Invoice Finance?
At Mair Finance, we are not tied to any single provider. We work closely with a wide panel of funders to ensure we find the facility that suits your exact needs.
Our approach is personal. We take the time to understand your business, your clients, and your goals, then match you with the right lender. We are here to support you before, during, and after the facility is set up, providing advice and answering any questions you may have along the way.
Every business is different. Whether you need a selective facility that allows you to choose which invoices to finance, or a full ledger facility that covers all your outstanding invoices, we can find the solution that fits.
Make late payments a thing of the past
Imagine what your business could achieve if you no longer had to worry about when you would get paid. Invoice finance puts you back in control, giving you the cash flow to plan ahead, invest in your future, and move forward with confidence.
If you are tired of waiting on customers to pay or want to learn more about how invoice finance can transform your cash flow, get in touch today. We are here to help you explore your options and find the right path for your business.
Book a 15-minute chat directly through the link below or contact us via phone or email. We would be delighted to have a conversation and see if invoice finance is a good fit for you.