Invoice Finance for Professional Services Firms
Professional services firms, consultancies, IT companies, accountancy practices, and law firms, often invoice on completion or monthly retainer with 30-60 day payment terms. Confidential invoice discounting lets you release cash from these invoices without your clients ever knowing.
Because professional services invoices are for work already delivered (not goods), lenders look at your client quality, contract terms, and debtor payment history. The confidential nature is especially important in professional services where the perception of financial stability matters.
Key Benefits
- Confidential facility, clients never know
- Release cash from retainer and project invoices
- Fund new hires and business growth from cash flow
- No property security required
Frequently Asked Questions
Can time-based billing be funded?
Yes. Invoices for time-based work (hourly or day rates) are funded in the same way as fixed-price project invoices, provided the work has been completed and the invoice is raised in the normal course of business.
What about milestone-based project payments?
Each milestone invoice can be funded individually as it is raised. Lenders may require evidence that the milestone has been achieved (e.g. client sign-off or deliverable acceptance).
Is there a minimum turnover requirement?
Confidential invoice discounting typically requires £500k+ annual turnover. Below this threshold, disclosed factoring with full credit control support is usually more cost-effective.
How does it work with retainer agreements?
Monthly retainer invoices are ideal for invoice finance, they are predictable, recurring, and usually paid reliably. Lenders view regular retainer income very favourably when setting advance rates.
Invoice Finance calculator
Move the sliders for an instant estimate. Free to use, no sign-up.
Cash advanced now
£42,500
Fee
£750
Net received
£49,250
Held back
£7,500
Illustrative estimate only, not a quote or financial advice. A broker will confirm exact terms based on your circumstances and lender appetite.
Related Funding Options
Invoice Finance UK
Release cash tied up in unpaid invoices. Invoice factoring and discounting for UK businesses. Advance up to 90% of invoice value within 24 hours.
Revolving Credit for Professional Services
Flexible credit facility for UK consultancies, law firms, and professional practices. Manage cash flow peaks and troughs.
Unsecured Business Loans for Professional Services
Growth funding for UK consultancies, IT firms, accountancy practices, and law firms. No property security required.
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Get matched with lendersCoreFi is a trading name of JG Core Ltd (Company #16218779, England & Wales). CoreFi acts as a commercial finance broker and does not provide regulated financial advice. All products described are unregulated business-to-business finance. Information on this page is for general guidance only and does not constitute a formal offer of finance. Terms, rates, and availability are subject to lender criteria and may change without notice.