Creative Capital Invoice Finance

  • We have teamed up with Touch Financial to help you find the right invoice financing for your business
  • Compare invoice financing from Creative Capital against other leading providers today
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How invoice financing works

1
The order
Create an invoice for your customer, showing how much is owed to your business and when payment is due.
2
Cash advance
Send a copy of the invoice to a lender to release up to 100% of its value as a cash sum.
3
Repayment
When it is due, the lender receives the payment from the customer. The lender then sends your business any remaining amount on the invoice that wasn't originally financed, after deducting the prearranged fees.

This comparison service is provided by Touch Financial. Touch Financial is a finance broker, not a lender. Not all products offered by Touch Financial are regulated by the Financial Conduct Authority. They compare invoice financing services from a range of different lenders, aiming to find the one that best suits the needs of their business customers. Touch Financial consultants look at the profile of each business, including cash flow, accountancy needs, and any other specific requirements, to match them with the most appropriate invoice finance provider and product. Touch Financial is authorised and regulated by the Financial Conduct Authority (FRN:727220).

Last updated on 12 May 2022.

Creative Capital Invoice Finance FAQs

Who are Creative Capital Business Finance?

Creative Capital is a specialist commercial lender that provides cash flow solutions to small to medium sized UK business via a network of intermediaries including our invoice finance comparison partner – Touch Financial. They provide tailored, flexible invoice finance facilities via a simple application process.

Is invoice financing a form of debt?

No, invoice financing is not a form of debt - it’s actually a sale, in that you sell invoices to a lender for the purposes of borrowing against them as a way of freeing up extra liquidity. Your borrowing is based solely on the money you earn.

Does invoice financing incur any extra costs?

Yes - when you seek Creative Capital business finance facilities for the purposes of leveraging your invoices, for example, you will be expected to pay a fee in order to use the invoice financing facility Creative Capital provides.

What can you do with invoice financing cash flow?

Businesses that request cash flow through invoice financing often put the money to good use as soon as possible, whether that means investing in new machinery, more stock, or even hiring more staff. A business might use this kind of financial product to generate cash flow if they wish to finance a growth phase.

Does cash flow arrive quicker with invoice financing?

An injection of cash can prove to come through much quicker, when seeking invoice financing via lenders including Creative Capital. That’s because, unlike conventional loans, there’s no lengthy loan application to pass through first. Invoices make for good collateral, so leveraging them is less time-consuming.

Does invoice financing help with late payment?

Invoice financing with Creative Capital business finance or other lenders can be a convenient way of generating cash flow, especially if one of your clients or customers is late in paying an invoice. Invoice finance facilities can be designed to deliver cash flow before an invoice actually comes through.

What is invoice factoring?

Invoice factoring is a means for you to sell invoices via your lender to a third party, known as a factoring company. This third party will handle the invoices for you as they come, while the cash flow starts to be generated by your lender.

Does late payment put my cash flow in jeopardy?

Persistent late payment doesn’t have to have an impact on your cash flow, especially if you decide to agree to a non-recourse agreement with the lender. However, this entails higher risk for the lender, so they may charge a higher fee.

What about if I don’t have a non-recourse agreement?

If you opted for a recourse agreement while invoice factoring instead, failure to receive payment from clients makes you responsible for paying the value of those invoices back to the lender. Risk is lower for the lender, so fees are likely to be lower.

Where can I compare invoice finance facilities?

It can be tricky to determine which lender best suits your requirements by yourself, if you’re considering Creative Capital business finance in the form of invoice financing. Fill in a form to see what Touch Financial can do to help you determine which lender would be most appropriate to service your requirements.

What can Touch Financial do for me?

Our partner Touch Financial gives you access to a specially-trained consultant, who will guide you towards finding the best lender for invoice financing services. Each business approaches invoice financing with different needs, so Touch Financial helps you weigh up the factors to consider when choosing a lender.

Services offered by this provider may change over time. Always check Ts&Cs.

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