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
Invoice Finance – Turn Unpaid Invoices into Instant Cash Flow
Free up working capital and get paid in days, not weeks—with flexible funding secured against your outstanding invoices.
Click the button to Unlock Your Invoices – Get Invoice Finance Today
Invoice Discounting – Confidential Finance That Keeps You in Control
Access funds tied up in invoices while managing your own credit control—ideal for established businesses.
Click the button to Get Confidential Invoice Discounting Solutions
Spot Invoice Finance – On-Demand Funding for One-Off Invoices
Get fast, flexible cash from a single invoice—no contracts, no obligations, just the funding you need, when you need it.
Click the button to Finance a Single Invoice Now – No Ongoing Commitment
Revolving Credit – Flexible Working Capital, Ready When You Are
Draw funds as needed and only pay interest on what you use—perfect for managing seasonal or irregular cash flow.
Click the button to Apply for a Recurring Credit Line Today
Commercial Mortgages – Finance to Buy, Refinance or Expand
Secure property funding for new premises, development, or refinancing—tailored to your business goals and growth plans.
Click the button to Explore Commercial Mortgage Options Now
Trade & Export Finance – Keep International Deals Moving
Bridge the gap between orders and payment—get the stock or supplier funding you need to trade confidently at home or overseas.
Click the button to Access Trade & Export Finance Solutions
Credit Insurance – Protect Your Business from Non-Payment Risk
Safeguard your cash flow with credit protection, and explore tailored insurance solutions to cover your people, premises, and profits.
Click the button to Get Bad Debt & Business Insurance Quotes
Asset Finance – Invest in Equipment Without Tying Up Capital
Spread the cost of vehicles, machinery, or tech—boost productivity while preserving your working capital and cash flow.
Click the button to Get Asset Finance for Your Business Today
Sectors We Fund – Flexible Finance for Every Industry
We work with UK businesses across dozens of sectors — matching each with tailored funding solutions through our trusted panel of lenders. Whether you're in agriculture, recruitment, construction, or telecoms, we’ll help you access the best finance options available: loans, invoice finance, asset funding, trade finance, and more.
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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:
- You run a Limited Company, PLC, Partnership, Sole Trader, or Start-Up
- Your turnover is over £50,000 per year
- You invoice customers on 30, 60, or 90-day terms
- You provide products or services and want to improve cash flow
How Invoice Factoring Works
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
Talk to the Experts
Whether you're exploring invoice factoring for the first time or looking to switch providers, our team is ready to help with
