Invoice Finance in Manchester
Invoice finance lets a Greater Manchester business release cash tied up in unpaid customer invoices instead of waiting 30 to 90 days for payment. CoreFi arranges invoice finance for limited companies by matching them to lenders. Availability, advance rates and pricing depend on your business and lender appetite.
If your Manchester business invoices other companies and then waits weeks or months to get paid, invoice finance can turn those unpaid invoices into working capital much sooner. It is widely used by firms with business-to-business customers and payment terms that stretch cash flow, from manufacturers in Trafford Park to recruitment agencies in the city centre. CoreFi is a commercial finance broker: we help limited companies understand their options and match them to invoice finance lenders. We do not lend ourselves, and any figures on this page are indicative and illustrative only. What you can actually access depends on your business, your customers and each lender's own assessment.
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Tell us about your business
Share the basics: your limited company, your sector, who your customers are and the payment terms you invoice on. This helps us understand the shape of your working-capital need across your Greater Manchester operation.
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We match you to suitable lenders
CoreFi reviews your profile against our panel of invoice finance lenders and identifies those whose appetite tends to fit businesses like yours. We explain the options in plain terms, with any figures clearly indicative.
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You review indicative options
Where lenders are interested, you see how their facilities compare. Advance rates, fees and structure are illustrative until a lender formally assesses your application; nothing is guaranteed at this stage.
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Apply and complete with the lender
You proceed with the lender of your choice. They carry out their own checks on your business and sales ledger, and confirm final terms directly. CoreFi supports you through the process but does not provide the funding.
What invoice finance does for a Manchester business
Invoice finance releases a portion of the value of your outstanding sales invoices shortly after you raise them, rather than leaving that cash locked up until your customer pays. The two most common forms are invoice factoring, where the lender also manages collections, and invoice discounting, where you keep control of your own sales ledger and collections. Advance rates, fees and eligibility vary by lender and by the profile of your business and its customers, so any percentage you see quoted should be treated as indicative rather than a fixed offer. It tends to suit businesses that sell to other businesses on credit terms, which describes a large share of Greater Manchester's trading base.
Greater Manchester sectors that commonly use it
Across Greater Manchester, invoice finance is a familiar tool in sectors where work is delivered first and paid for later. Manufacturers and engineering firms clustered around Trafford Park and the wider industrial belt often carry material and labour costs long before a customer settles. Logistics, haulage and distribution operators near the M60 and around Salford face fuel and wage bills on tight cycles. Recruitment agencies in the city centre and MediaCity pay contractors weekly while their client invoices sit on longer terms. Wholesalers, print and packaging firms, construction-adjacent suppliers, and business services in districts such as Ancoats, Stockport and Oldham use it for similar cash-flow reasons. These are use cases, not guarantees; whether finance is available for your business is for a lender to decide.
How CoreFi helps and what we are
CoreFi is a commercial finance broker. We arrange business finance, principally for limited companies, and we match you to invoice finance lenders based on your sector, your customers and your funding need. Broking unregulated commercial finance to limited companies does not require FCA authorisation, and we make no claim to be FCA-authorised or regulated. We do not provide the funding ourselves and we cannot promise that any lender will offer terms. Our role is to help you present your business well and reach lenders whose appetite fits your profile, so you spend less time cold-calling providers and more time running your business.
What lenders typically look at
When assessing an invoice finance facility, lenders generally consider the quality and spread of your customer base, your invoicing and credit-control processes, how clean your sales ledger is, and your trading history. A business invoicing a handful of reliable commercial customers on clear terms is usually easier to place than one with concentrated, disputed or consumer-facing income. Because every lender weighs these factors differently, two similar Manchester businesses can receive very different outcomes. Nothing here is a promise of approval; each application is subject to the lender's own checks and appetite at the time.
Local knowledge, wider panel
Being close to Greater Manchester's business districts helps us understand the shape of local trading, from city-centre professional services to industrial estates in Trafford, Salford, Bury and Rochdale. We combine that context with a panel of invoice finance lenders so we can point your enquiry towards providers that tend to work with your kind of business. The final terms, advance rate and pricing always come from the lender, and any illustrative figures we share along the way are there to help you compare options, not to guarantee an outcome.
Frequently asked questions
Is invoice finance available to any Manchester business?
No. Invoice finance suits businesses that invoice other businesses on credit terms, and availability depends on your customers, your sales ledger and each lender's assessment. CoreFi arranges finance principally for limited companies and cannot guarantee that a lender will offer terms.
Is CoreFi FCA-authorised?
CoreFi is a commercial finance broker arranging finance for businesses, principally limited companies. Broking unregulated commercial finance to limited companies does not require FCA authorisation, and we make no claim to be FCA-authorised or regulated. We match businesses to lenders; we do not lend.
How much of my invoice value can I release?
Advance rates vary by lender and by the profile of your business and its customers. Any percentage quoted is indicative and illustrative only. The actual advance rate is set by the lender after they assess your application, so we cannot state a guaranteed figure.
What is the difference between factoring and invoice discounting?
With factoring the lender typically manages your sales ledger and collections; with invoice discounting you keep control of collections yourself. Which is suitable, and whether it is available, depends on your business and the lender's appetite.
How long does it take to arrange?
Timescales depend on the lender's checks, the state of your sales ledger and how quickly information is provided. CoreFi helps you prepare a clear picture of your business to present to lenders, but final timing and approval sit with the lender.
Do you cover businesses outside Manchester city centre?
Yes. We work with businesses across Greater Manchester, including Trafford, Salford, Stockport, Oldham, Bury and Rochdale, as well as the wider region. Local context helps, but our lender panel is not limited to any single area.
What does CoreFi cost?
CoreFi is a broker that matches businesses to lenders. Any fees are explained to you before you commit, and the finance costs themselves are set by the lender. We do not add hidden charges, and we make no promise about the price a lender will offer.
See invoice finance options for your Manchester business
Tell us about your limited company and your customers, and CoreFi will match you to invoice finance lenders whose appetite tends to fit businesses like yours. All terms are indicative until a lender assesses your application, and funding depends on your business and lender appetite.
Get matched to lenders