How to Apply for Invoice Finance with Partnership Invoice Finance
When your cash flow is squeezed, every hour waiting on unpaid invoices can feel like a setback. But accessing flexible funding doesn’t have to be complicated. If you’re ready to turn your sales ledger into working capital, this guide walks you through how to apply for invoice finance with Partnership Invoice Finance quickly, clearly, and without the usual jargon.
Whether you are new to invoice finance or switching providers, this guide helps you understand how our process works, what to expect. and why so many UK SMEs trust us to support their business growth.
Why Apply for Invoice Finance?
Invoice Finance is a cash flow tool that allows businesses to unlock the value tied up in outstanding invoices. Instead of waiting 30, 60, or 90 days for customers to pay, you get access to a large portion of the invoice’s value. Often within 24 – 48 hours.
Unlike traditional loans, this form of asset-based lending does not involve selling fixed assets or taking on long-term debt. Instead, you leverage your accounts receivable financing to fuel growth.
Why SMEs Choose PIF for Invoice Finance
At Partnership Invoice Finance, we believe in human-led funding. Our clients value us for our transparency, responsiveness, and ability to support real-world businesses—not just perfect spreadsheets.
Here’s what sets us apart:
- Fast access to funds: typically, within 24–48 hours.
- Direct access to senior decision-makers.
- No hidden charges or confusing fee structures.
- Dedicated account managers, not bots.
- Flexible terms, tailored to your business size and sector.
How to Apply for Invoice Finance: Step-by-Step
Step 1: Make an Enquiry
Use our contact page or call us directly. You will speak with a real person who understands finance, not a call centre or chatbot.
Share basic details about your company.
Let us know how much funding you typically need.
Mention any particular challenges (e.g. late payments, seasonality, contracts).
Step 2: Quick Fit Assessment
We will run a quick check to make sure you are eligible. The key things we consider:
- Are you trading with other businesses (B2B)?
- Do you invoice for work already completed?
- Are your customers reliable payers?
Step 3: Share Documents
If everything looks good, we’ll request a few essentials:
- Latest cash flow statement.
- Example invoices and customer list.
- Brief on your working capital cycle and business model.
- Accounts and bank statements.
There’s no need to worry about over-polishing your numbers. We understand the realities of SME trading—and we are not here to judge.
Step 4: Offer & Pricing
You’ll receive a clear, jargon-free proposal. We’ll outline:
- Your advance rate (usually 80–90% of invoice value).
- Our service fees (all clearly listed—no surprises).
- Estimated time to release funds (usually 24–48 hours).
- Full ledger outsourced credit control, if required.
Step 5: Onboarding
Once accepted, onboarding takes just a few days. We’ll:
- Introduce your dedicated account manager.
- Send you a welcome note with contact details and relevant links.
- Introduce ourselves and answer any questions you might have.
- You can start uploading invoices and receive payment within 1–2 working days.
How Long Does It Take to Get Funded
From first conversation to funds in your account can take as little as 5 working days. We can usually fast-track priority applications.
Most clients access their first funding batch within:
- 5–10 days from initial enquiry.
- 24–48 hours from invoice submission.
What Kind of Businesses Use Invoice Finance
Our clients include:
Fast-growing wholesalers and logistics firms.
Agencies and consultancies scaling up operations.
Manufacturers with lengthy accounts payable cycles.
Seasonal service providers (e.g., events, recruitment).
We welcome:
Start-ups and small firms.
Businesses with short term cash flow needs.
SMEs experiencing negative working capital.
Your Invoice Finance Questions Answered
Can I apply if I’ve been rejected by a bank?
Yes. Traditional lenders focus on credit history and fixed collateral. We look at the value in your outstanding invoices and business performance.
Is there a minimum turnover?
We generally support businesses with a minimum turnover of £150k+, but we review each case individually.
Is it a long-term commitment?
Not necessarily. Our contracts are flexible and scaled to your needs. Our minimum contract period is generally 12 months.
Ready to Get a Quote
If you’re tired of waiting to get paid, it’s time to explore Invoice Finance that works on your terms. Applying is fast, simple, and handled by humans who care about your business.
Click here to get your personalised quote today.
Meet the Team Behind the Support
When you apply for invoice finance through Partnership Invoice Finance, you are not just filling in a form. You are beginning a relationship with people who genuinely care about your business. From your very first enquiry, you may find yourself speaking with Phil, Chris, or Suzanne—three of the most experienced and personable members of our team.
Phil brings decades of financial insight and a reassuringly no-nonsense approach to client conversations. He’s great at cutting through the jargon.
Chris is your go-to for honest, clear advice with a strong understanding of how SMEs operate day-to-day. He’s helped hundreds of clients unlock funding fast.
Suzanne is known for her sharp eye for detail and proactive follow-through—making sure your time with Partnership Invoice Finance is smooth and stress-free.
Together, they embody the Partnership Invoice Finance promise: ethical funding, fast response times, and a human voice at the end of every phone call.
Chris Falby
With over two decades dedicated to helping businesses in the South East thrive, Chris, Sales and Marketing Director, brings a wealth of knowledge in securing financial assistance for SMEs. His career began in mainstream banking, where he gained valuable experience managing advances. This foundation, coupled with his extensive network and expertise in independent funding, allows Chris to provide tailored invoice finance solutions that meet the unique needs of each client.