Invoice Finance UK – Independent Broker for Invoice Discounting, Factoring & Spot Finance by Go-Factor
At Go-Factor Business Finance, we are a UK-wide, award-winning independent invoice finance broker, specialising in fast, flexible cash flow funding across all sectors. Go-Factor provides access to the full UK funding market, structuring the right solution whether you require invoice discounting (including confidential invoice discounting), factoring, selective debtor finance, spot finance (single invoice finance), or receivables finance.
Go-Factor supports startups through to established SMEs, helping businesses unlock cash tied up in unpaid invoices and release up to 90% of invoice value quickly and efficiently. Whether you need a new facility, funding against a single invoice, or want to review, improve, or replace an existing invoice finance facility, Go-Factor delivers structured invoice finance solutions aligned to how your business trades.
Recognised as a Moneyfacts Awards Finalist (2024–2026), recipient of the NACFB Intermediary Excellence Award & Highly Commended for Invoice Finance Broker of the Year (2023), and recognised by Lloyds Banking Group for Structuring Outstanding Funding (2026), Go-Factor Business Finance is trusted by UK businesses to deliver invoice finance that works — fast, flexible, and properly structured.
Explore Our Business Funding
& Invoice Finance Solutions
How Invoice Factoring Works
How Invoice Factoring Works
Simple, Flexible, Fast —
Unlock Cash Tied Up in Invoices
Invoice factoring is a cash flow solution that lets your business access funds from outstanding invoices—often within 24 hours. It’s ideal if your customers pay on credit terms and you need reliable working capital to grow.
You're likely eligible if:
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You run a Limited Company, PLC, Partnership, Sole Trader, or Start-Up
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Your turnover is over £50,000 per year
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You invoice customers on 30, 60, or 90-day terms
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You provide products or services and want to improve cash flow
Already Using Invoice Finance? Let’s Better Your Rate
If you're already working with an invoice finance provider, let us show you how much more value Go-Factor can deliver.
As an independent UK commercial finance broker, we compare the market to find better rates, better terms, and better service—guaranteed.
✔ Lower Rates
✔ Faster Access to Funds
✔ Hassle-Free Switching
✔ 100% Confidential Review​
Go-Factor Reviews: Trusted by UK SMEs for Flexible Finance