Business finance options explained – Loans, asset finance & invoice finance
For many business owners, the world of finance can feel complex, especially when they are…
Improve your cash flow and unlock working capital tied up in unpaid invoices with tailored invoice finance solutions from NGI Finance. Instead of waiting 30, 60 or even 90 days for customers to pay, you can access funds quickly to keep your business moving forward.

Invoice finance allows you to release a percentage of the value of your outstanding invoices, giving you fast access to cash without taking on a traditional loan. It’s a practical solution for growing businesses that offer credit terms to customers but need consistent cash flow to operate effectively.
We work with a wide panel of specialist lenders to ensure you receive a facility that suits your turnover, sector and growth ambitions.
Once you raise an invoice, a lender can advance a large percentage of its value (often within 24 to 48 hours). The remaining balance (minus fees) is released once your customer settles the invoice.
This provides:
Sales invoice finance allows businesses to unlock cash tied up in unpaid invoices, providing immediate access to working capital rather than waiting for customers to pay. By releasing a percentage of the invoice value upfront, businesses can maintain healthy cash flow, cover day-to-day expenses and continue to invest in growth opportunities.
Spot invoice finance allows businesses to release cash from individual invoices rather than funding their entire sales ledger. This flexible approach is ideal for companies that only need occasional access to working capital. You can choose specific invoices to finance, helping you maintain control over your cash flow while accessing funds quickly when you need them most.
Supply invoice finance helps businesses manage supplier payments by unlocking cash tied up in outstanding invoices. This solution is particularly useful for companies that need to maintain strong supplier relationships while continuing to grow. By improving liquidity and reducing payment pressure, supply invoice finance supports smoother day-to-day operations.
Invoice discounting provides a confidential way to access funding against your unpaid invoices while keeping your customer relationships and credit control processes in place. This option is often suited to established businesses with strong financial management systems that want to improve cash flow without outsourcing administration.
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