Invoice finance with credit control handled for you
Release cash from invoices and let the funder chase payment — perfect for SMEs without a dedicated credit team.
Business funding made simpler
- £25,000 – £2,000,000 funding
- 300+ UK lenders on our panel
- Initial decisions often within 5 working days
- Soft-search eligibility check
At a glance
About Factoring
Factoring combines invoice finance with full credit control. You issue invoices to your customers as normal — the factor advances cash, chases payment and manages the ledger. Ideal for growing SMEs that don't yet have an internal credit function.
Why businesses choose Apex Loans
Expert support, access to a wide lender panel and a straightforward application process.
Outsourced collections
Funder chases payment so you don't have to.
Bad debt protection
Optional cover against customer insolvency.
Faster collections
Professional credit teams typically collect quicker.
Scales with sales
Facility grows alongside your invoicing.
Am I eligible?
Eligibility varies by lender, but businesses with an established trading history and regular turnover may have access to a wide range of funding options.
Our eligibility check takes around 60 seconds and helps us understand which options may be suitable. It uses a soft search only, so there is no impact on your credit score.
- UK B2B business
- Trading 6+ months
- Turnover £100k+
- B2B invoicing model
Access a wide panel of UK business lenders
- 300+ UK lenders, from high-street names to specialist SME funders
- One application reviewed against multiple funding options
- FCA-regulated credit broker — we arrange finance, we are not the lender
- A UK-based funding specialist manages your case end-to-end
Frequently asked questions
Ready to explore factoring?
Check eligibility in around 60 seconds with no impact on your credit score.