FAQ
What is invoice finance and how does it work?
Invoice finance allows businesses to unlock cash tied up in outstanding invoices, giving you faster access to working capital without waiting 30-90 days for your customers to pay.
At Accelerated Payments, we provide selective, non-recourse invoice finance, meaning you can choose which invoices to fund and when, you’re not tied into financing your entire sales ledger or locked into long-term contracts.
Once approved, we typically advance a high percentage of the invoice value upfront, with the balance paid (less fees) when your customer settles. Our solutions are structured to be flexible, with no personal guarantees typically required.
How is Accelerated Payments different from traditional invoice finance providers?
Unlike traditional providers that require long-term contracts and whole-ledger commitments, Accelerated Payments offers a more flexible and bespoke approach.
- Fund single invoices or specific customers
- No long-term lock-ins, no debtor concentration caps
- Non-recourse funding with no personal guarantees
- Fast decision-making and access to funds
- Works alongside your existing banking facilities
- Funding available in EUR, GBP USD
- Export funding from €250k to €10m in multiple currencies
This makes us ideal for businesses that need on-demand liquidity, including those trading internationally, without restructuring their entire finance setup.
What types of businesses are suitable for Invoice Finance?
We are sector agnostic, with funding lines supporting a wide variety of SMEs, particularly those that are:
- B2B business trading with credit worthy debtors
- Experiencing rapid growth or seasonal demand
- Managing large or slow-paying customers
- Delivering high-value contracts or projects
- Operating across multiple jurisdictions and currencies
We take a case-by-case approach, assessing each opportunity individually rather than applying rigid criteria, allowing us to support a wider range of funding scenarios than many traditional providers.
What geographies do you cover?
We support funding for both domestic and international receivables, giving businesses access to working capital regardless of where their customers are based.
Accelerated Payments has funded €2.5 billion worth of invoices across more than 40 countries to date, with a core focus on the UK and Ireland, alongside strong capability in international markets.
- Fund domestic and cross-border receivables
- Support export-led businesses and overseas subsidiaries
- Operate across multiple currencies
- Flexible funding with no concentration caps or long-term contracts
- Solutions tailored to specific countries, customers, or transactions
Our global reach means we can support businesses trading internationally, while maintaining the speed and flexibility of a selective funding model.
What are your funding criteria?
Our typical funding criteria includes:
- B2B business trading with limited companies
- Invoices issued to creditworthy debtors
- Funding requirements typically between £250k and £10m
- Minimum 24 months trading history
- Annual turnover of €1m+