Unlock Business Growth with Peer-to-Business Asset-Based Lending for SMEs

Boost Your Cashflow with Invoice Backed Lending

Cashflow is the lifeblood of any SME. Traditional loans can be slow, buried in paperwork and rigid covenants. Invoice backed lending flips that on its head. You borrow against outstanding invoices, freeing up up to 90% of your accounts receivable almost instantly. It's simpler, faster and often more cost-effective than a standard overdraft or term loan.

From turnarounds to growth spurts, invoice backed lending adapts as you do. You tap into cash tied up in invoices without handing over equity or sinking into high rates. Curious? Empowering Local Growth: Invoice Backed Lending for SMEs shows you how our peer-to-business platform brings community-focused finance within reach.

Why Asset-Based Lending Matters for SMEs

Asset-based lending is more than a buzzword. It's a suite of flexible facilities where your balance-sheet assets unlock working capital. While invoice backed lending sits at the core, you can also tap inventory, plant and machinery, even property. For SMEs gearing up for MBOs or acquisitions, having multiple lines of defence can be a game-changer.

Key reasons to consider asset-based lending:

You borrow in proportion to asset values—your funding grows as your business does.
You consolidate multiple facilities under one transparent agreement.
Renewal and scale-up happen smoothly, subject to review, not red tape.
You maintain control—no equity dilution.

The Power of Invoice Backed Lending

Invoice backed lending speeds up cashflow by advancing funds against your unpaid invoices. Imagine waiting 90 days for payment versus getting cash in 48 hours. That's the difference between stalled growth and seizing opportunities.

How it works in practice:

You submit a batch of customer invoices.
Your lender advances up to 90% of the invoice value.
Customers pay the lender directly within agreed terms.
You receive the balance (minus fees) once the invoice clears.

Benefits for SMEs include:

A revolving facility that builds with each new invoice.
Investment in staff, stock or new equipment without tapping reserves.
Customised rates based on credit quality of your debtors.

How Our Peer-to-Business Platform Works

We connect local investors with credible SMEs seeking invoice backed lending. You get:

Streamlined application—minimal paperwork.
Transparent risk profiles with AI-driven credit scoring.
Access to an Innovative Finance ISA (IFISA) for tax-free returns.
A named Relationship Manager who knows your region.

Investors enjoy clear visibility of their portfolio, while businesses benefit from quicker decisions. No hidden clauses—just a fair, community-focused approach.

Benefits for SMEs and Investors

Whether you're applying for invoice backed lending or looking to invest, our platform delivers:

For SMEs:
- Rapid approval so you act on growth plans.
- Cost-efficient access to working capital.
- Dedicated support throughout the facility term.

For Investors:
- High average return rates with risk-adjusted clarity.
- The satisfaction of backing local enterprises.
- IFISA integration for enhanced tax efficiency.

Mid-way through your planning? Why not take a closer look at how invoice backed lending can transform performance today Discover invoice backed lending with our peer-to-business lending platform.

Getting Started in Five Steps

Assess your invoices and eligibility.
Complete our online application—no branches required.
Arrange valuations for debtors, stock or other assets.
Sign a simple facility agreement with clear terms.
Access funds and reinvest in your business immediately.

It's that straightforward. Our team walks you through each stage, ensuring clarity and confidence.

Real Stories from SMEs

"I was sceptical at first. Within days, I had 80% of my invoice value and could cover supplier costs. Best decision this year."
— Sarah Thompson, Co-founder of GreenLeaf Manufacturing

"Partnering with local investors felt natural. The IFISA option sealed the deal for our finance director."
— James Patel, CFO at UrbanTech Solutions

"I've seen a real shift in cashflow stability. Inventory finance and invoice backed lending now form our backbone."
— Emma Clarke, Owner of Clarke & Sons Engineering

FAQs

What does invoice backed lending cost?
You pay a discount fee on the daily advanced amount and a service fee—either variable (percentage of sales) or a fixed monthly fee. It's transparent, with no hidden extras.

How quickly can I get funded?
Once your credit profile and invoices are verified, you often receive funds in 24–48 hours.

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