Supplier Invoice Finance

Extend your payment terms without upsetting your suppliers.

Supplier funding keeps your cash flow flexible while ensuring your suppliers are paid on time. A lender covers your supplier invoices upfront, and you repay them later — giving your business room to grow without the usual working capital squeeze.

Whether you're managing seasonal peaks, negotiating early-payment discounts, or simply need more breathing space, supplier finance can be a practical, flexible solution.

What is Supplier Funding?

Supplier funding is a smart way to manage your outgoings without delaying payments to your suppliers - or dipping into cash reserves.

A third-party lender pays your supplier directly, and you repay them over an agreed term. It's not just for goods, either - it can be used to pay any supplier or service provider, including marketing agencies, consultants, and even staff.

There are two main types of supplier finance:

1. Spread the cost over 3–12 months

When you receive a supplier invoice, the lender pays it directly on your behalf. You then repay the lender in fixed monthly instalments over a period of 3 to 12 months.

Most facilities are revolving, meaning that as you repay, your available credit is topped back up - giving you ongoing access to working capital whenever you need it.

✔ Ideal for managing cash flow
✔ Flexibility to fund one-off or recurring purchases
✔ Helps build stronger supplier relationships through prompt payments

2. 120 day credit terms

With this option, you're given a pre-agreed credit limit. You use it to fund multiple supplier invoices as needed, and repay each one within the agreed term - usually up to 120 days. It's a bit like having a trade credit account with multiple suppliers, all in one place.

✔ Great for businesses with ongoing supplier needs
✔ Simple, revolving facility - draw down as and when needed
✔ Extended repayment terms to ease pressure on cash flow

Is Supplier Funding Right for You?

Supplier funding could be a great fit for your business if:

• You want to protect cash flow while keeping suppliers happy
• You're scaling up and need to stock up on materials
• Your suppliers require upfront payment
• You want to unlock discounts for early payment
• You're a seasonal business and need to make large payments before your busiest period.

What You'll Need to Apply

Most lenders will ask for:

• Your latest financial accounts
• A copy of the supplier invoice(s) or list of regular suppliers
• 6 - 12 months' business bank statements
• Basic business and director information

The application process is typically quick and straightforward, with some decisions made in as little as 48–72 hours.