Invoice finance in Cambridge
CoreFi arranges invoice finance for Cambridge limited companies that invoice other businesses, releasing cash tied up in unpaid invoices. We are a broker, not a lender, matching you to a whole-of-market panel of invoice financiers. The lender assesses your debtor book, decides and prices the facility.
Invoice finance releases cash tied up in your unpaid sales invoices, so you are not waiting 30, 60 or 90 days to be paid before you can pay staff, suppliers and your own bills. It suits Cambridge businesses that sell to other companies on credit terms, from tech and engineering suppliers to recruiters, wholesalers and contractors.
CoreFi arranges invoice finance as a broker. We match your debtor book and your sector to a whole-of-market panel of invoice financiers, and the lender assesses the book, decides whether to offer a facility and sets the terms. Any advance rates or figures we mention are indicative only.
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Tell us about your debtor book
Share who you invoice, your payment terms and roughly how much is outstanding. This helps us judge which invoice financiers are likely to have appetite for your book.
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We match you to the right financiers
We look across our whole-of-market panel for invoice financiers that suit your sector and structure, whether that is confidential discounting or full factoring with credit control.
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We manage the case to a decision
We help present your figures and manage the process to a lender decision. The lender assesses your debtor book and sets the advance rate and terms.
Bridging the gap for Cambridge B2B suppliers
Plenty of Cambridge companies sell to larger organisations on extended payment terms, and the University, the NHS trusts around Addenbrooke's and the big technology and pharmaceutical employers in the area are not always quick payers. A specialist engineering firm supplying instruments to a research institute, a software or services company invoicing corporate clients, or a facilities contractor working across the science parks can all find cash locked up in a debtor book that keeps growing as they win work. Invoice finance advances a proportion of each invoice when you raise it, smoothing cash flow so growth does not create a funding squeeze. The strength and spread of your customers matters to lenders, and a book of solid corporate debtors is generally viewed favourably.
Options for staffing, wholesale and contracting firms
Some sectors around Cambridge are especially well suited to invoice finance because they carry a persistent gap between paying costs and getting paid. Recruitment and staffing agencies, common given the volume of contract and scientific hiring in the cluster, have to fund payroll weekly while clients pay monthly. Wholesalers and distributors along the A14 corridor tie up cash in stock and terms. Contractors on the region's construction sites often wait on staged payments. Facilities range from confidential invoice discounting, where your customers need not know, to full factoring where the financier manages collections. We help you weigh which structure fits, then match you to lenders whose appetite suits your sector.
Choosing the right structure with honest guidance
Invoice finance is not one product but a family of them, and the right choice depends on your customers, your margins and how much administrative help you want. Selective invoice finance funds specific invoices rather than the whole book; whole-turnover facilities cover everything; some lenders bundle in credit control or bad-debt protection. Costs and covenants vary, and a facility that looks cheap can carry conditions that do not suit a growing Cambridge business. As a broker we explain the trade-offs plainly, shop your case across a whole-of-market panel and let you decide. The lender assesses your debtor book and sets the advance rate and terms; nothing we quote is a guarantee.
Frequently asked questions
What is the difference between factoring and invoice discounting?
With factoring, the financier manages collections and your customers are usually aware. With confidential invoice discounting, you keep control of collections and customers need not know. We explain both and match your case to lenders accordingly; the lender sets the terms.
Do all my customers need to be large companies?
No, but the strength and spread of your debtor book matters to lenders. A book of solid business customers is generally viewed favourably. The lender assesses your customers and your book before deciding whether to offer a facility.
Which Cambridge businesses is invoice finance suited to?
It suits limited companies that sell to other businesses on credit terms, such as engineering and tech suppliers, recruitment agencies, wholesalers along the A14 and contractors. It is not designed for firms that sell mainly to consumers for immediate payment.
Does CoreFi provide the invoice finance facility itself?
No. We are a broker, not a lender. We match your debtor book to invoice financiers on our whole-of-market panel, and the lender assesses the book, decides whether to offer a facility and sets the advance rate and terms.
Get matched with lenders for your Cambridge business
Tell us what your business needs and we will match you with lenders whose criteria fit. No obligation, no cost to start the conversation, and a straight answer about what is realistic for your situation.
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