UK farmers, growers, and garden centre owners often face seasonal income gaps, delayed subsidies, and high upfront costs for feed, seed, fuel, or equipment. Add in unpredictable weather or harvest cycles, and cash flow quickly becomes a barrier to growth. Invoice finance provides fast access to funds tied up in unpaid customer invoices, helping agricultural and horticultural businesses smooth income across the year, manage rising supply costs, and invest in expansion—without relying on loans or overdrafts.