Invoice Finance for eCommerce UK | Unlock Cash from Unpaid Invoices | eCommerce Funding
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Invoice Finance for UK eCommerce Businesses

Stop waiting 30, 60 or 90 days to get paid. Unlock up to 90% of your invoice value within 24 hours and keep your cash flow moving — no matter how long your customers take to pay.

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Up to 90%of invoice value advanced
24hrsTypical advance speed
No obligationFree eligibility check

What is Invoice Finance?

Invoice finance — sometimes called invoice factoring or invoice discounting — lets you unlock cash tied up in unpaid invoices before your customers actually pay. Rather than waiting weeks or months for payment, a lender advances you up to 90% of the invoice value immediately. When your customer settles the invoice, the lender releases the remaining balance minus a small fee.

For B2B eCommerce businesses and wholesale sellers who routinely offer payment terms to their customers, invoice finance can be transformative — turning a cash flow problem into a competitive advantage.

Who is invoice finance best suited for?

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    B2B eCommerce businesses selling to trade customers on payment terms
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    Wholesale suppliers waiting 30–90 days for customer payment
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    Online sellers dealing with large retail buyers or distributors
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    Businesses with strong revenue but persistent cash flow gaps
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    Sellers needing to buy more stock before previous invoices are paid

Invoice finance vs a business loan

Unlike a loan, invoice finance isn’t debt in the traditional sense — you’re simply accelerating cash you’re already owed. This means the facility grows naturally with your sales volume, there’s no fixed repayment schedule, and the cost is tied directly to the invoice rather than your overall creditworthiness. For growing eCommerce businesses, this makes it one of the most flexible forms of working capital available.

Eligibility

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    UK-registered business selling to other businesses (B2B)
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    Invoices issued to creditworthy customers with clear payment terms
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    Minimum 3–6 months trading history
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    Business owner or director making the application

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Common Invoice Finance Scenarios

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Wholesale supplier funding

You supply a large retailer on 60-day terms and need cash to buy more stock. Invoice finance releases the cash immediately so you can keep fulfilling without waiting.

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B2B eCommerce cash flow

Your trade customers pay on 30-day terms but your suppliers want payment upfront. Invoice finance bridges that gap so you’re never caught short between paying out and getting paid.

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Scaling into new accounts

You’ve won a large new retail account but can’t afford to fund the first orders while you wait for payment. Invoice finance lets you take on bigger customers without the cash flow risk.

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Slow-paying customers

A key customer consistently pays late, stretching your terms to 90+ days. Invoice finance means their slow payment is their problem, not yours — you get paid in 24 hours regardless.

Frequently Asked Questions

Not necessarily. Confidential invoice discounting allows you to continue collecting payments from your customers directly, without them knowing a lender is involved. Invoice factoring, by contrast, involves the lender collecting payment directly from your customers. We’ll help you identify the right structure for your situation.
Most lenders advance between 80–90% of the invoice value upfront. The remaining 10–20% (minus the lender’s fee) is released when your customer pays the invoice in full.
This depends on the type of facility. With recourse invoice finance, you remain liable if the customer doesn’t pay. Non-recourse (or bad debt protection) facilities transfer that risk to the lender. We’ll make sure you understand exactly which type applies before any introduction is made.
Yes — selective invoice finance (also called spot factoring) lets you choose which invoices to finance rather than committing your entire debtor book. This gives you maximum flexibility and is particularly popular with growing eCommerce businesses.
Once a facility is set up, funds can typically be advanced within 24 hours of submitting an invoice. Initial setup and approval usually takes 24–72 hours depending on the lender and the documentation provided.

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eCommerce Funding Limited is a credit broker and not a lender. We introduce UK businesses to suitable lenders and may receive a commission. 128 City Road, London. EC1V 2NX. Registered in England & Wales. All finance subject to status and eligibility. Applicants must be 18 or over.