Business Customer

Transform your invoices into instant cash flow

Cash flow finance - Selective Invoice Discounting

the simple way to get paid faster

Need cash now? Don’t wait for customer payments. Turn your outstanding invoices into instant capital in minutes – you choose when and how much.

Creative™ are a valuable ally for businesses that need financing to grow and succeed. We can help you save time and money, access more options and opportunities, get better terms and rates, and receive a tailored and personalised service. Ask to speak to one of our team or arrange a face-to-face visit at your business premises so we can understand your requirement today.

Get instant payment on your invoices

Skip the paperwork and personal guarantees

Access up to £250,000

Pay one transparent fee per use

Only pay when you need it

Businesses face a common challenge: while they must pay suppliers and employees promptly, customer payments often lag behind. In the UK, small businesses typically wait 55 days to receive payment, resulting in £150 billion tied up in unpaid invoices.

Our solution transforms these waiting invoices into immediate cash flow and instant capital. Small and medium enterprises can instantly access working capital by converting their accounts receivable into cash, whenever needed. This approach offers unmatched flexibility and cost-effectiveness compared to traditional debt financing, helping businesses maintain smooth operations without taking on new loans.

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How does selective invoice finance work?

Open

Create an account and open your facility online in a few minutes

Upload

Simply upload a client invoice you wish to turn into cash flow

Receive

Get funds instantly transferred to your business bank account

Repay

When your client pays you, repay the lender by direct debit

Re-use

Re-use the facility whenever you want. Upload more invoices

Instant payment - No personal Guarantee - Limit up to £250,000 - One transparent fee

Transparent Pricing Made Simple

Pay just 0.06% per day on each invoice you advance. No hidden costs – zero setup fees, no interest charges, and no penalties for early repayment. There are no fees when the facility is not in use, and you can cancel it whenever you want.

Who can apply for selective invoice finance?

UK Limited companies or LLPs trading B2B with commercial or public sector clients, established for over two years with an annual turnover exceeding £100k, are eligible. Businesses must have an unpledged receivables portfolio and be able to connect their bank account via Open Banking.

Exclusions are:

Companies within a group structure
Companies with any debentures registered against them

Unsecured Lending

Six figure lending on an unsecured basis is not uncommon in the business world.

Business Cash Advance

Unsecured financing that allows businesses to access funds based on their merchant terminal income.

Invoice Discounting

Improve your cash flow and working capital without giving up equity or control

Stocking Finance

Stocking loans are a type of secured loan that use the inventory of a business as collateral.

Business Banking

A business current account can offer several advantages for your business.

Boost your cash flow today - apply now

What our customers say

"We have been dealing with Creative Funding Solutions for finance on our rental business and also for our retail customers for years. Mike came to me with a new Selective Invoice Discounting product which I initially could not see the benefit of. He said I had a pre-approved credit limit and it would take 5 minutes to fully apply. He sold the benefit that if we did not use the facility there was no cost. We only pay once we upload invoices to be paid. I thought there wasn’t much to lose so clicked the application link. It truly took 5 minutes to complete the form and connect the open banking. From there we were fully approved within a few hours. We could upload invoices and receive the funds within 4 hours. I can honestly say from being skeptical that this is a very fast and efficient product which we use, to have invoices paid quickly rather than waiting for our customers to send the funds in 60 odd days. It works great with Nexus who rent a lot of vehicles from us and also our account customers through the workshop."