Invoice Finance
Get paid upfront—not in 60 days.
Major Features of Invoice Finance
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No Property Required
The facility is secured against invoices — not your home
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Use It When You Need It
Only pay for what you draw — no lock-in fees
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Grows with Your Business
The more you invoice, the more you can access
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Flexible Facility Setup
Choose which invoices to fund — no obligation to use every time
What is
Invoice Finance?
It lets you unlock cash from unpaid invoices — so you can cover expenses, pay staff,
and grow without waiting to get paid.
See if this is for you:
- You’ve done the work but payment’s still weeks away
- You need funds to cover operating costs or buy stock
- You want to use your receivables to fuel growth
What You Should Know About
Invoice Finance
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Only works with B2B invoices — not retail or consumer sales
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Most lenders require a clean debtor ledger and basic financials
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You choose which invoices to fund — no lock-in or minimum use
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Once approved, funding can land in under 24–48 hours
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How Does Invoice Finance Work?
Sam runs a food manufacturing business.
He supplies major retailers — but they take 45 days to pay.
When raw material costs spiked, he couldn’t wait.
We set up an Invoice Finance facility that released 85% of each invoice upfront.
Now Sam can buy stock, pay staff, and take on bigger orders — without chasing
payments.
Pros and Cons of Invoice Finance
Pros:
- Turns invoices into cash within 24–48 hours
- Grows with your business — no need to reapply
- No property security or fixed loan terms
Cons:
- Doesn’t suit slow-paying or high-risk customers
- Slightly more admin than a one-off loan
How Much Can I Borrow?
You can typically access up to 85% of your unpaid invoice value, with the rest paid
once the customer settles.
Your facility size depends on:
• Monthly invoicing volume
• Customer credit quality
• Time in business
FAQs
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How long does it take to set up Invoice Finance?
Most facilities are approved within 2–5 business days. We handle the paperwork and guide you through every step.
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How fast can I access funds once it’s set up?
Once live, many lenders release up to 85% of an invoice within 24–48 hours of submission.
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Do I have to fund every invoice?
No — most lenders let you choose which invoices to fund and when. It’s a flexible facility, not a lock-in.
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What if my customer doesn’t pay on time?
Your available funding may pause until payment clears, but you won’t be personally out of pocket.
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Can I use this if I’m a new business?
Yes — especially if you invoice creditworthy businesses. Even startups can be eligible.
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What’s the difference between disclosed and undisclosed invoice finance?
Disclosed means your customer knows the invoice is financed. Undisclosed keeps it behind the scenes — you stay in control.
What Clients Say
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“Using McHughes Finance’s Invoice Finance solution, we were able to unlock cash tied up in unpaid invoices, allowing us to reinvest in growth and meet our financial obligations on time.”
Business Owner
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“My company has been a client of Sean McHugh since 2020. McHugh’s Financial Services goes outside the box and finds workable solutions. We really appreciate what he does for us and finds results.”
PacificStar Airline Management
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“I worked on an urgent, and rather complex funding request through Sean, and it delivered the exact outcome we were after, in a really quick turnaround time, and with incredible post deal follow up and service. I highly recommend working with Sean and I look forward to our next professional engagement with him too.”
Outliving
Waiting to get paid?
Let’s unlock the cash in your invoices — fast, flexible, and without the stress.
