Unlock cash tied up in your unpaid invoices
Improve cash flow without taking on new debt - funding tied to your sales ledger
Get started
Soft search only. No impact on your credit score.
Representative example: Rates from 6.9% p.a. Subject to status and lender assessment. Security may be required.
£250M+
Finance arranged
5,000+
Businesses helped
100+
UK lenders on panel
4.9
Trustpilot rating
The smarter way to find business finance
Flexible
Finance your whole ledger or cherry-pick individual invoices as needed.
Specialists
We work with specialist invoice finance providers across all B2B sectors.
Fast decisions
Facilities set up in as little as 48 hours. Access funds the same day invoices are raised.
Tailored solutions
Confidential or disclosed, recourse or non-recourse - we find the right structure.
From application to funds in three steps
Tell us what you need
Complete our short form in under 2 minutes. Share your funding requirement, annual turnover, and finance purpose. No lengthy paperwork at this stage.
We match you with lenders
Our advisers instantly compare 100+ UK lenders and select the most suitable options for your business profile. Soft credit search only, no impact on your score.
Review offers and receive funds
Receive a clear summary of available offers with rates and terms. Accept the best option and we manage the paperwork. Funds typically released within 24-72 hours.
Get your personalised quote
in 60 seconds
Compare 100+ UK lenders with one short form. Soft search only, no impact on your credit score.
Get started
Soft search only. No impact on your credit score.
Representative example: Rates from 6.9% p.a. Subject to status and lender assessment. Security may be required.
Invoice finance for UK businesses
Invoice finance releases up to 90% of the value of your unpaid invoices within 24 hours. Instead of waiting 30, 60, or 90 days for customers to pay, you access the cash immediately to fund growth, pay suppliers, or cover operational costs. Spark Finance compares invoice factoring and invoice discounting from 100+ UK lenders to find the right facility for your business.
Do you qualify?
UK B2B business
Creditworthy debtors
Min. £100k annual turnover (most lenders)
All credit profiles considered
Eligibility criteria vary by lender and product. Spark Finance works with specialist lenders who consider all business types and credit profiles. Soft search only.