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Go-Factor Helps UK Businesses Solve
Cash Flow Problems

Go-Factor helps UK businesses solve cash flow problems through independent invoice finance expertise. We help businesses understand, compare and secure the right invoice finance solution to improve cash flow, strengthen working capital and support confident funding decisions. Whether you require invoice discounting, confidential invoice discounting, factoring, selective debtor finance or single invoice finance (spot finance), Go-Factor provides independent expertise to help businesses choose the invoice finance solution that best supports their cash flow, growth and long-term success.

Go-Factor helps startups, growing businesses and established SMEs unlock cash tied up in unpaid invoices through the right invoice finance solution. Whether you need a new invoice finance facility, funding against a single invoice, or want to review, improve or replace an existing facility, Go-Factor helps businesses understand, compare and secure invoice finance that reflects how their business trades, grows and plans for the future.

Go-Factor's independent invoice finance expertise has been recognised across the UK funding industry through national awards, lender recognition and consistently delivering successful funding outcomes for UK businesses. As a Moneyfacts Awards Finalist (2024–2026), winner of the NACFB Intermediary Excellence Award, Highly Commended Invoice Finance Broker of the Year (2023) and recognised by Lloyds Banking Group for structuring outstanding funding solutions (2026), Go-Factor is trusted to help businesses improve cash flow, strengthen working capital and make confident cash flow and funding decisions.

What's Stopping Your Business from Growing?

Customers Taking Too Long to Pay?

Go-Factor helps UK businesses understand, compare and secure the right invoice finance solution to unlock cash tied up in unpaid invoices, improve working capital and keep cash flowing.

Discover how Go-Factor can help  with Invoice Finance →

Explore Invoice Finance

Can I Get Invoice Finance Without My Customers Knowing?

Yes. Confidential Invoice Discounting allows many established businesses to release cash tied up in unpaid invoices while keeping customer relationships and credit control in-house. Go-Factor helps you understand, compare and secure the right confidential funding solution for your business.

Explore how Go-Factor can help with Confidential Invoice Discounting →

Explore Confidential Invoice Discounting
Spot Invoice Finance helping a UK business release cash from a single invoice without committing to a long-term invoice finance facility.

Need Cash From One Invoice?

Need cash from one customer invoice without committing your whole sales ledger? Go-Factor helps UK businesses arrange fast, flexible spot invoice finance with no ongoing facility.

Discover how Go-Factor can help  with single Invoice finance →

Finance a Single Invoice

Need Flexible Cash When Business Costs Rise?

Access working capital when you need it, repay what you use and draw funds again within the agreed limit. Go-Factor helps UK businesses secure revolving credit facilities for seasonal costs, cash-flow gaps and unexpected opportunities.

Discover how Go-Factor can help  with a Revolving Credit Facility →

Explore Revolving Credit Facility

Can a New Business Get Invoice Finance?

Yes. Go-Factor helps UK new starts explore invoice finance after winning a first order, gaining new customers or needing working capital for payroll and suppliers.

A previous CCJ, company closure or financial difficulty is considered separately and does not automatically prevent funding. Go-Factor will assess the current business and explore suitable options.

New UK business preparing its first major customer order with invoice finance support from Go-Factor

Discover how Go-Factor can help  with New Start Business Invoice Finance  →

Explore New-Start Invoice Finance

Need to Pay a Supplier Before Your Customer Pays You?

Go-Factor helps UK importers and exporters arrange trade finance for supplier payments, stock, purchase orders, freight and other costs keeping international deals moving from order to customer payment.

Discover how Go-Factor can help  with Trade & Export Finance  →

Explore Trade & Export Finance

Worried a Customer May Not Pay?

Go-Factor helps UK businesses arrange trade credit insurance and bad debt protection, protecting eligible invoices when a customer becomes insolvent or fails to pay.

Discover how Go-Factor can help  with Trade Credit Insurance & Bad Debt Protection →

Protect Your Unpaid Invoices
Go-Factor helps UK businesses arrange asset finance for new and second-hand machinery, vehicles and equipment. Tell us the purchase cost, VAT, deposit, seller and asset details, and we will approach suitable funders.

Need Finance for Business Equipment?

Go-Factor helps UK businesses arrange asset finance for new or used vehicles, machinery, technology and other equipment spreading the cost while protecting working capital.

Discover how Go-Factor can help  with Asset Finance →

Explore Asset Finance

Which Business Sectors Can Use Invoice Finance?

Go-Factor provides sector-specific invoice finance guidance for UK new starts, growing SMEs and established businesses. Find funding support for recruitment, healthcare, haulage, construction, manufacturing, distribution, cleaning, agriculture, technology and other B2B sectors.

Discover how Go-Factor can fund your Sector →

Find Invoice Finance for Your Sector
Business owner comparing invoice finance providers to replace an expensive or outdated funding facility

Is My Invoice Finance Too Expensive?

High fees, restricted funding or poor service can make an existing facility feel increasingly expensive. Go-Factor can confidentially review your costs, advance rates, concentration limits and contract terms, then explore whether a better invoice finance provider is available.

Discover how Go-Factor can Improve Your Invoice Finance Facility →

Check for Better Invoice Finance Terms

Every business is different and every cash flow challenge has a solution. Explore the most common problems Go-Factor helps businesses solve.

Go-Factor helps businesses understand, compare and secure the right funding solution because better understanding leads to better funding decisions.

  • I need cash quickly.
  • I need cash quickly.
  • My bank refused my loan application
  • How do I fund payroll before my customers pay
  • My business needs working capital urgently.
  • I'm a new Start business - can you help me with funding
  • I've already got invoice finance but it's expensive
  • I can't pay wages or HMRC Vat Bill
  • Customers pay late or won't pay
  • I've won a large contract
  • My cash flow in unpredictable

Let's Find A Better Funding Solution

Already using invoice finance? Go-Factor independently reviews your existing funding to help you understand whether it's still the right solution for your business today.

  • Independent market comparison
  • Funding tailored to your business
  • 100% Confidential Review
  • Award-winning expertise helping you make better funding decisions
Solve Your Business Cash Flow Problem
Get a Free Review