Empowering SMEs with
Flexible Finance in the UK

Raise an invoice today and get paid up to 90% of its value within 24 hours – no delays, no hidden fees, just straightforward funding for your business.

Who Are We?

Advance Commercial Finance (UK) Ltd was founded to provide businesses with a smarter, more flexible approach to invoice finance. We’ve built a reputation for helping SMEs unlock cash tied up in invoices and access the funding they need to grow.

Unlike traditional lenders, we aim to get approval of a facility within 24 hours — helping you access funding quickly when your business needs it most.

With the support of strong financial backing from trusted banking partners, we’re able to offer stable and reliable funding facilities of up to £1 million. This allows us to deliver facilities with clear pricing, personal service, and total flexibility.

At Advance Commercial Finance, our goal is simple: to give businesses the tools, confidence, and cash flow they need to thrive.

OUR SERVICES

We provide simple, flexible funding options to suit your business needs:

01.

Invoice Finance

Unlock cash tied up in unpaid invoices. Get up to 90% the same day.

02.

Bad Debt Protection

Safeguard against late payers and unexpected customer insolvency.

03.

Selective Invoice Finance

Release funds from specific invoices without committing your entire ledger.

Why Choose Advance Commercial Finance?

Independent & Flexible

As an independent funder, we adapt quickly to your needs.

People-First Approach

You’ll always deal with real people who care about your growth.

Specialist SME Support

We know the challenges smaller businesses face – and how to solve them.

Experienced Team

Decades of collective knowledge in invoice finance and commercial funding.

Credit Management

Support to help you manage invoices, risk, and collections.

Bad Debt Protection

Stay protected against customer defaults and financial risks.

How Invoice Finance Works

01.

Step 1 – Submit Your Invoices

Send us a copy of the invoices you’ve raised for your clients.

02.

Step 2 – Receive Up to 90% the Same Day

We advance the funds (minus a small fee) so you have instant access to working capital.

03.

Step 3 – Balance Released on Payment

Once your customer pays, we release the remainder to you.

Our Clients Trust Us

We’re trusted by businesses across England, and the wider UK to provide more than just funding.

Advance Commercial Finance has transformed how we manage cash flow. We used to wait 60+ days for payments, but now we can access our invoices the same day. Their team in the UK understands our business and has made the whole process seamless.

Sarah J.

The support from Advance Commercial Finance goes beyond funding. Their advice and risk assessments have given us confidence to grow without worrying about late payments. Our relationship manager is always approachable and proactive.

Mark T.

Selective Invoice Finance from Advance Commercial Finance has been a game-changer. We can fund only the invoices we need, giving us flexibility without committing our whole ledger. Professional, reliable, and local – we couldn’t ask for more.

Emma L.