Receivables finance
Turn unpaid B2B invoices into working capital.
Muve helps UK limited companies compare invoice finance routes, including factoring, discounting and selective invoice finance, then routes your enquiry to the right finance partner.
Check invoice finance fit
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Compare your options in one short enquiry — it takes about 60 seconds.
Check invoice finance optionsFree to enquire · subject to status and provider criteria
- Release cash tied up in unpaid business invoices.
- Compare receivables finance options through one Muve enquiry.
- Keep lender names private until your enquiry has been reviewed.
How it works
Tell us about your business
A few quick details about your company, turnover and invoice profile.
We match you with the right lenders
We compare our panel to find the invoice finance routes and providers that fit.
Compare and choose
Review your options with no obligation and pick what works — we're with you to completion.
What invoice finance is for
Invoice finance is designed for businesses that raise invoices to other businesses and need cash before customers pay. It can help with payroll, stock, tax bills, growth plans, or short-term cash flow gaps.
Common invoice finance routes
Invoice factoring usually includes outsourced credit control. Invoice discounting is usually more confidential, with the business keeping customer relationships and collection processes. Selective invoice finance can fund individual invoices instead of a whole ledger.
How Muve handles the enquiry
Muve captures the minimum information needed to understand your business, funding need and invoice profile. The enquiry is then reviewed and routed manually, so visitors are not shown lender names or buyer routing rules on the public page.
Who this page is built for
This page is aimed at UK incorporated businesses, especially limited companies with B2B debtors. Sole-trader and small partnership cases can raise regulatory issues and need additional screening before any introduction.
Why compare with Muve
- Built for UK incorporated businesses.
- Manual review before routing to a finance partner.
- Source-backed pilot page for the SEO foundation.
Pros and cons
Pros
- Releases cash tied up in unpaid invoices, often within days.
- Funding scales with your sales ledger as you grow.
- Can include credit control (factoring) or stay confidential (discounting).
Watch-outs
- Costs more than waiting for customers to pay — weigh the fee against the benefit.
- Depends on the quality and spread of your debtor book.
- Not designed for B2C-only businesses or one-off needs.
"Invoice finance is about the quality of your debtor book, not just your turnover. Decide early whether you want the provider to run credit control (factoring) or to keep it in-house and confidential (discounting) — it changes which providers fit."
What it costs
Invoice finance is usually priced as a service fee plus a discount charge on the funds advanced, rather than a single headline rate. The total cost depends on your provider, ledger and the services included, so compare the all-in cost, not just the advance rate.
- Your turnover and the size and spread of your debtor book.
- Whether credit control is included (factoring) or not (discounting).
- The advance rate, service fee and discount margin set by the provider.
What you'll need to enquire
- Your registered company name (we'll find you on Companies House).
- Your annual turnover and how long you've traded.
- Roughly how much funding you need.
- Who you invoice and your typical invoice values.
Ready to see which finance routes could fit?
Check invoice finance optionsFrequently asked questions
Is invoice finance a business loan?
Invoice finance is receivables finance. It is normally linked to unpaid invoices rather than a standard fixed-term loan, but terms depend on the provider and facility structure.
Will my customers know I am using invoice finance?
It depends on the product. Factoring often involves the finance provider handling collections, while discounting is usually designed to be more confidential.
Can Muve guarantee approval?
No. Finance is subject to status, lender criteria, invoice quality, trading history, turnover and other checks.
Does Muve charge businesses to enquire?
It is free to use Muve Finance. Muve may be paid a commission by lenders when a facility completes.
Written by the Muve editorial team.