Positive Cashflow Invoice Finance

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How invoice financing works

The order
Create an invoice for your customer, showing how much is owed to your business and when payment is due.
Cash advance
Send a copy of the invoice to a lender to release up to 100% of its value as a cash sum.
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.

Positive Cashflow Invoice Finance FAQs

Who is Positive Cashflow Finance?

Part of 1pm plc, Positive Cashflow Finance is an invoice finance specialist lender that was launched in 2007. They offer a range of invoice financing solutions to small-to-medium sized commercial operation across all British industries.

What is Positive Cashflow Finance invoice financing?

Positive Cashflow Finance invoice financing is a means for businesses to leverage the value of their invoices in order to finance future borrowing, especially if they need to invest in infrastructure, personnel or equipment.

How can I compare invoice financing products?

Our partner, Touch Financial, provides a helpful platform for comparing Positive Cashflow Finance invoice financing products with those from other providers. Touch Financial can put you in touch with a specialist consultant who will help you find the best offer from providers that suits your business’s requirements.

Do small businesses struggle to acquire invoice financing?

Small businesses might struggle to acquire cash flow through invoice financing if they are unable to meet certain criteria. These could include a level of turnover beyond what they are presently earning, or evidence that they have been a fully functioning business for longer than they have actually been operating for.

Is invoice financing a form of debt?

No, invoice financing is actually a sale. You sell your invoices to your provider or a factoring company, and the lender provides you with a cash injection, calculated as a percentage of the invoice sums you expect to earn.

Is there a set amount I can borrow using invoice financing?

There is no specific limitation on what you can borrow through invoice financing, as businesses generate varying levels of turnover through invoices. What’s more, you can actually unlock higher sums of money to borrow through invoice financing if you start to earn more over time.

Is there a risk of liability if clients fail to pay invoices?

Yes, but only if you explicitly agreed to a recourse mechanism as part of your Positive Cashflow Finance invoice financing facility. This mechanism would require you to pay your lender the sum of the invoices back to your provider.

Can I alleviate the risks of failed invoice payments?

Yes, by agreeing to a non-recourse clause when requesting invoice financing services. A non-recourse mechanism means the lender is responsible for absorbing the costs, although the higher risk entails you being charged a higher fee.

How high are lender fees for invoice financing?

Lenders’ fees for invoice financing facilities differ from provider to provider, but they are rarely much more than a small percentage of the value of invoices you have leveraged for borrowing. Always make sure to find the best offer through Touch Financial.

Can I do invoice financing discreetly?

Yes, it is possible to acquire cash flow through invoice financing in a discreet manner, if you request invoice discounting products. Invoice discounting means you remain in control of your sales ledger, chasing up clients for invoices. This keeps clients from finding out about the involvement of a lender in leveraging your invoices.

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

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