Invoice finance in Cardiff
CoreFi arranges invoice finance for Cardiff businesses that invoice other businesses and wait to be paid. We are a broker, not a lender, and search a whole-of-market panel to release cash from your outstanding invoices. The lender decides whether to fund and on what terms, and any figures shown are illustrative only.
Invoice finance releases cash tied up in unpaid invoices, advancing a large part of an invoice's value soon after you raise it rather than waiting thirty, sixty or ninety days to be paid. For Cardiff businesses that sell to other businesses on credit terms, from recruitment and staffing agencies to media production firms, wholesalers and contractors on the city's build sites, it can be the difference between steady cash flow and constant chasing.
CoreFi arranges invoice finance as a broker; we do not lend. Facilities differ a lot between funders on structure, cost, contract terms and whether collections stay confidential, and the right fit depends heavily on your sector and how you bill. We search a whole-of-market panel to match your business to a suitable funder, and the lender always makes the final decision on funding and pricing.
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Tell us how you invoice
Share who you sell to, your typical payment terms, and roughly your invoice values, whether you are a Bay-side staffing agency or a wholesaler near the port. We work out which type of facility fits.
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We match you to a funder
We search a whole-of-market panel for funders that suit your sector and billing, comparing factoring and confidential discounting. Any advance rates or costs are illustrative only until a lender formally offers.
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You review and go live
We explain the structure, cost and contract terms in plain language and support setup. The lender decides whether to fund, at what advance rate and on what terms.
Cash flow for Cardiff's recruitment and staffing agencies
Cardiff has a substantial recruitment and staffing sector, much of it serving the professional and public-sector employers concentrated around Cardiff Bay, Central Square and the city centre. Agencies placing temporary and contract workers face a hard cash-flow squeeze: they pay workers weekly but invoice clients on longer terms. Invoice finance, and particularly facilities designed for staffing, advances against the timesheet-backed invoices so the agency can meet payroll without stalling growth. We help Cardiff agencies find funders that understand the mechanics of temp payroll rather than a generic ledger.
Project income for media and creative firms
The production, post-production and creative firms across Cardiff Bay and Roath often work on commissioning and project contracts where large invoices land in lumps and payment can be slow. Waiting on a single big invoice can starve the business of the cash it needs to fund the next project or hire the next crew. Invoice finance smooths that by releasing cash against the invoice when it is raised, so a Cardiff studio is not left funding months of work from its own reserves. We match the funder to the reality of project-based, sometimes irregular, billing.
Trade, wholesale and contractor ledgers
Wholesalers, manufacturers and construction subcontractors around Cardiff's industrial areas near Splott, Tremorfa and the port, and the trades working the city's regeneration sites, typically carry a book of unpaid invoices to other businesses at any given time. That is working capital sitting idle. Invoice finance, whether whole-ledger factoring with collections handled for you or confidential invoice discounting where you keep control of credit control, turns that ledger into available cash. We look across a whole-of-market panel to match the structure to how the business trades, and the lender sets the terms.
Frequently asked questions
How does invoice finance work for a Cardiff business?
A funder advances a large part of an invoice's value soon after you raise it, then releases the balance, less charges, once your customer pays. It turns unpaid invoices into working capital. We arrange it across a whole-of-market panel.
What is the difference between factoring and invoice discounting?
With factoring the funder usually manages credit control and collections; with confidential invoice discounting you keep control of collections and customers need not know. We help you compare both, and the lender sets the terms.
Which Cardiff businesses does invoice finance suit?
It suits businesses that invoice other businesses on credit terms, such as recruitment agencies, media and production firms, wholesalers, manufacturers and construction subcontractors. It does not suit firms paid immediately by consumers.
Does CoreFi provide the funding itself?
No. CoreFi is a broker, not a lender. We arrange invoice finance by matching your Cardiff business to funders across a whole-of-market panel, and the lender makes the final decision on funding and pricing.
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