For Businesses
Invoice Financing & Factoring
Unlock cash tied up in invoices — indicative pricing applies.
Invoice financing and factoring release cash against your unpaid sales invoices, improving working capital. Pricing is typically structured as a percentage of invoice value (a discount fee plus service charge) rather than a conventional APR; the figure shown is an APR-equivalent indicative reference.
Suited to B2B businesses with outstanding receivables. Indicative facility of £5,000 to £500,000 against invoices, typically settled within 1 to 4 months as customers pay, with representative APR-equivalent pricing from around 8% to 15%. Amounts and terms shown are indicative; actual cost depends on invoice profile and is finalised at underwriting.
Indicative product information. All financing subject to credit assessment, eligibility, and Goldcrest Financial Planning Limited's underwriting standards. FRN 810649.
Key Terms
- Indicative rate
- From 8.00%
- Amount
- £5,000 – £500,000
- Term
- Up to 4 months
- Origination fee
- 1.00% of principal
Indicative pricing — final rate subject to credit assessment.
Payment Calculator
Estimate your payments
Adjust the figures within this product’s range to see what you would pay approximately each month — indicative only.
Monthly payment
You would pay approximately
£3,377.88 /month
- Total repayable
- £10,133.64
- Total interest
- £133.64
Indicative and illustrative only — this is not an offer or a quote. Final amounts are subject to credit assessment and Goldcrest Financial Planning Limited's underwriting standards. FRN 810649.
Eligibility
Who can apply
Registered UK business, B2B invoicing, trading 12+ months, completed KYC/KYB, subject to debtor-book and credit assessment.
FCA-regulated through Goldcrest Financial Planning Limited (FRN 810649). Subject to credit assessment and underwriting standards.
How to apply
From account to decision in four steps.
Open an account
Register in minutes and choose a loan customer account.
Complete KYC
Verify your identity digitally — passport, licence, or proof of address.
Submit application
Apply for this product with a guided, fully digital form.
Receive decision
Our team reviews your application and returns an indicative decision in days.
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