Capvant
Invoice finance

Get paid now, not in 90 days

The work is done and invoiced; the cash just hasn’t arrived. Release most of each unpaid invoice up front and compare factoring and discounting offers side by side, the initial search is soft, so your credit file stays clean.

Trusted by 2,400+ business owners
Invoice 4182Sent£24,000DUE IN 45 DAYSWork delivered, terms agreed, cash still out thereReleased nowAdvanced todayMost of the valueadvance rates are set by each funding partnerON PAYMENTBalance, less the fee
Outstanding invoicesDAYS OUT30 DAYS£6,40045 DAYS£9,20060 DAYS£4,80090 DAYS£3,600TIED UP IN THE LEDGER£24,000A facility that grows as you invoice, not a fixed limit
The ledger

Your cash is already earned. It is just dated.

Every unpaid invoice is money you have already worked for, parked behind someone else’s payment run. Invoice finance draws against your sales ledger instead of adding a fixed limit on top of it, so most of each qualifying invoice is released up front and the balance follows when your customer settles, less the fee.

Because the facility revolves with your sales, the funding available rises and falls with the work you invoice rather than sitting still while you grow. In practice that means the facility tracks your turnover rather than needing to be renegotiated every time you take on a bigger client.

SECURED ON THE SALES LEDGER, NOT ON PROPERTY
Two shapes

Same job. The difference is who does the chasing.

Both release the cash held up in unpaid invoices. They part company on control, on cost, and on what your customers experience.

Invoice factoring

COLLECTIONS HANDLED FOR YOU
Who chases payment
The funding partner runs collections and credit control
Who knows about it
Your customers are generally aware a third party is involved
Typical fit
Teams without their own credit-control function
Invoice factoring in detail

Invoice discounting

YOU KEEP CREDIT CONTROL
Who chases payment
You do, exactly as you do now
Who knows about it
Typically confidential, so customers need not know
Typical fit
Businesses with their own collections and steady payers
Invoice discounting in detail
WHAT ELSE VARIES BETWEEN OFFERS
Whole turnover or selectiveFund the entire sales ledger under one agreement, or pick single invoices as you need them.
Recourse or non-recourseWhether you stay responsible if a customer never pays, or bad debt protection carries more of it.
Fee structureA discount charge on the value advanced plus a service fee, and a credit-control charge where collections are handled.
Notice period and exitHow long the agreement runs, the notice you have to give, and any termination fee on the way out.

Not every UK facility has to cover the whole ledger. Confidential invoice discounting keeps the arrangement between you and the funding partner, while selective invoice finance funds single invoices as you choose them, and full-service factoring hands over the credit control as well. One request covers all three.

PUT THEM SIDE BY SIDE

Advance rates, fees and contract length differ across every UK funding partner. One request puts them next to each other.

Who it fits

Businesses that bill other businesses on terms.

The longer the terms you give, the more cash sits waiting. These are the billing patterns invoice finance was built around.

Recruitment and staffingPayroll leaves weekly, the client invoice settles in 45 days.Wholesale and distributionSuppliers upstream are paid long before customers downstream settle.ManufacturingMaterials and labour are spent before the order is even invoiced.Construction and tradesStaged billing and long payment runs, which some partners specialise in.Agencies and professional servicesFreelancers and media are paid now, clients bill on 60 day terms.Transport and logisticsFuel and drivers run weekly, shipper invoices run monthly.
Before you request

What is looked at, and what it costs to look.

Because the facility sits on what you are owed, funding partners weigh the quality of your invoices and the customers behind them, alongside your own trading history. Concentration matters: if one customer dominates your sales ledger, that can shape the terms you are offered, and a debtor book spread across several strong payers usually reads better than one large name.

One request, not five formsYour request goes out across a network of funding partners at once, so you are not repeating the same ledger detail to each of them.
Looking is a soft searchComparing your options leaves no mark on your credit file. A full check only happens if you decide to accept an offer.
Offers typically come back within hoursYou see the shape and cost of each one side by side before you commit to anything.
Every decision sits with the partnerCapvant does not lend and does not set your terms. Funding is subject to approval by the funding partner.
See the full process
What the invoice has to beRaised to a business customer on credit termsClean and undisputed, not part deliveredThe work behind it already done and signed offSpread across customers, not one payerSoft check to see your optionsOffers within hours
SEE WHAT COMES BACK

Pick the range you are after and see what comes back. It takes about three minutes and the search behind it is soft.

Frequently asked questions

What is invoice finance?

Unlock cash tied up in unpaid invoices instead of waiting 30-90 days to get paid. Through Capvant you compare invoice finance offers from multiple funding partners in one place, then choose what works for your business.

How much can I borrow?

Amounts depend on your trading history, turnover and the offers our partners make. Many businesses access £5,000 to £500,000 and beyond.

Will checking my options affect my credit score?

No. Seeing your options through Capvant is a soft search, so it leaves no mark on your credit file. A lender only runs a full credit check if you decide to accept an offer.

Is Capvant a lender?

No. Capvant is a funding marketplace, we match you with funding partners and you choose the offer that suits you. Funding decisions, rates and terms are set by the lender, subject to approval.

How fast can I get funded?

Once you accept an offer, many businesses receive funds within a few working days, some products fund same day.

Will my customers know I am using a facility?

It depends on the structure. With factoring the funding partner usually manages collections, so your customers are generally aware a third party is involved. With invoice discounting you keep your own credit control and the arrangement is typically confidential, so customers need not know at all.

When is invoice finance a poor fit?

If your customers already pay quickly, if you sell mainly to consumers for immediate payment, or if you have a genuine one-off need rather than a recurring stream of invoices. A line of credit or a working capital option usually serves you better in those cases.

Get funded faster

Stop waiting on the payment run.

One request puts your ledger in front of a network of funding partners. Comparing what comes back costs nothing and leaves your credit score exactly where it is.

Read the questions first

No obligation. Checking your offers won’t affect your credit score.

The easiest way to fund your business, compare real offers from a whole network of vetted lenders.

Get fundedSee how it works
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    Disclaimers & footnotes

    1. 1Capvant is a funding marketplace, not a lender. We match business owners with third-party funding partners; we do not make credit decisions, lend money, or set rates or terms. All funding decisions, rates, terms and approvals are made solely by the lenders in our network, subject to their criteria.
    2. 2Checking your options through Capvant does not affect your credit score. A lender may carry out a soft or hard credit search depending on the product, stage and your consent. A full hard credit check is only carried out where required by a lender before you proceed.
    3. 3Funding speed, including any reference to funding in as little as 24 hours, is typical for some products and lenders and is not guaranteed. Actual timescales depend on the lender, the product, and how quickly requested information and documents are provided.
    4. 4Funding amounts and ranges are indicative only and vary with your business profile, trading history, the lender and the market. Figures shown are not an offer of finance and do not guarantee any particular amount, rate or approval.
    5. 5Any offers, rates or repayment figures shown in illustrations or examples are for demonstration only and are not real quotes. Your actual offers, if any, are provided by lenders and are subject to approval.
    6. 6Product availability varies by market. Some products are only available in certain countries. Capvant currently serves businesses in the United States and the United Kingdom.

    Capvant is not a lender and does not make credit decisions, we introduce businesses to third-party funding providers. Capvant is not authorised or regulated by the Financial Conduct Authority (FCA).

    Capvant does not compare every lender, broker, funding product or offer available in the market. We only show options from funding partners in our network that may be relevant based on the information you provide.

    Capvant may receive compensation from lenders, brokers, funding partners or referral partners when a customer is introduced, approved, funded or takes another qualifying action. This compensation does not guarantee that any lender will approve an application or offer specific terms. Capvant does not charge business owners a fee to compare funding options unless clearly stated otherwise.

    If you access Capvant through a partner, introducer or embedded funding page, that partner may receive a referral fee or commission if your request results in funding. This does not increase your cost unless expressly disclosed.

    Capvant is intended for business-purpose funding only. Eligibility may depend on entity type, location, trading history, revenue, industry and lender criteria. In the UK, Capvant currently focuses on limited companies, LLPs and plcs, and does not currently support sole traders or ordinary partnerships.

    Information on Capvant is general information only and is not financial, legal, tax or accounting advice. You should consider whether funding is suitable for your business and seek professional advice where appropriate.

    Calculators, eligibility checkers and funding-readiness tools are estimates only. They are based on limited information and assumptions, and do not represent a credit decision, quote, approval or recommendation.

    Company information may be sourced from public registers such as Companies House, or from information you provide. Public register data may be incomplete, delayed or inaccurate and should not be treated as a full credit assessment.

    The Business Credit Score by Capvant is an independent statistical assessment based on public register data. It is not provided by a credit reference agency and may differ from scores used by individual lenders.

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    Some US commercial financing offers may be subject to state-specific disclosure requirements. Where required, additional disclosures will be provided and must be accepted before a transaction is finalised.