Blog

Keep up-to-date with the latest news, views, information and advice from Partnership Invoice Finance. Within our blog posts we cover topics such as: building sustainable cash flow, utilising invoice finance, and tips for business growth.

Invoicing terms and conditions. A little bit of clarity goes a long way.

Invoicing Terms and Conditions That Prevent Late Payments

Late payments are one of the most common cash flow problems affecting UK SMEs. Despite strong sales or long term contracts, payment delays continue to cause missed payroll, restricted growth, and added pressure for small business owners.

What many do not realise is that poor invoicing terms and conditions can be to blame. Vague or inconsistent invoices leave room for confusion, delay, and dispute. Clear and enforceable invoicing terms and conditions help to prevent late payments, and give your business the structure it needs to stay in control.

Read More »
Barn owl sat at an office desk with business charts in the back ground. text reads: Write. That. Plan. PIF pecks banner is at the bottom of the image.

How to Write a Business Plan That Strengthens Cash Flow

Writing a business plan is one of the most important steps any founder or business owner can take. A well written plan sets your direction, defines your goals, and helps secure finance. But while many business plans focus on revenue targets and market opportunity, too few directly address the everyday realities of running a business in the UK today. One of those realities is this: clients often pay late.

Read More »
Late payments to SMEs: Time to pay. Text featured on a news board next to a barn owl. PIF pecks banner at the bottom

Late Payments to SMEs UK: Time to Pay Up

Late payments to SMEs UK are suffocating the economy. The cost to the economy has now reached a staggering £11 billion per year. With thousands of viable, growing businesses forced into decline because of unpaid invoices and slow customer payments. In fact, nearly 40 UK SMEs close their doors every single day as a direct result of disrupted cash flow.

Read More »
Recourse factoring - your flexible friend.

Recourse Factoring vs Bank Loans: Choosing for Your Business

Accessing funding be a major challenge for B2B businesses. With traditional lenders tightening criteria and timelines from enquiry to receiving finance increasing. Businesses can find themselves choosing between two main options: recourse factoring vs bank loans. Understanding the differences between these two funding routes is essential for making a confident, informed decision.

Read More »
Switch without the fall. Black horse in the image, and pif pecks banner present

Switching Funding Provider – How We Support Your Transition

Switching funding provider can be both daunting and sometimes urgent. Especially when it is triggered by a service withdrawal rather than a strategic choice. With a large bank scaling back funding services. Many UK businesses have found themselves without the tailored support they once relied on. While the need for continuity is immediate, the opportunity for improvement is just as pressing.

Read More »
Spot cash flow troubles early. Text says "Goobledeegook" Partnership invoice finance "pif pecks banner" is flying below text

Cash Flow Troubles Every Business Should Be Aware Of

Cash flow troubles are more than just a temporary inconvenience. They are often the early warning signs of deeper financial instability. For all UK businesses cash flow is the lifeblood of day to day operations. Yet, it remains one of the most misunderstood areas of financial management. In recognition of Financial Awareness Day this August, now is the perfect time for businesses to assess their financial health and take steps to build greater resilience.

Read More »
Spot cash flow troubles early. Text says "Goobledeegook" Partnership invoice finance "pif pecks banner" is flying below text

Why More SMEs Are Choosing Non-Bank Business Funders

In 2025, the funding landscape for UK businesses is undergoing a noticeable transformation. With a major Bank exiting the invoice factoring sector by September. Small and medium sized enterprises (SMEs) are reevaluating how and from whom they access essential funding. A growing number are making a strategic shift to non-bank business funders like us at Partnership Invoice Finance. We are not just an alternative. We are a working capital solution for modern businesses seeking transparency, reliability, and humancentric finance.

Read More »
Recourse factoring vs Disclosed invoice discounting. Partnership Invoice Finance PIF pecks banner is displayed across the bottom.

Recourse Factoring and Disclosed Invoice Discounting: Choosing the Right Fit for Your Business

At Partnership Invoice Finance, we understand that every business has unique needs when it comes to managing cash flow and maintaining control over financial operations. Two of our core services: Recourse Factoring and Disclosed Invoice Discounting. Each offer distinct advantages tailored to different business models and preferences. Both solutions provide access to the value of outstanding customer invoices before they are paid, but they differ in terms of control and credit management responsibilities.

Read More »