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Invoice Finance
Unlock Cash Tied Up in Invoices

Boost your cash flow and get paid faster
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Turn unpaid invoices into immediate working capital

Waiting for customers to pay their invoices can create cash flow gaps, making it difficult to cover operating expenses, payroll, or new growth opportunities. Invoice

 

Finance sourced via GoodFX allows you to access funds tied up in unpaid invoices, so you don’t have to wait 30, 60, or even 120 days for payment.

 

With fast access to working capital, your business can stay liquid, grow faster, and reduce financial strain—without taking on additional debt.

The Challenge:

Cash flow constraints from unpaid invoices

Long payment terms

Customers taking months to settle invoices

Delayed business growth

Cash flow issues preventing expansion

Limited working capital

Struggling to pay suppliers, staff, or overheads

Bad debt risks

Late or unpaid invoices affecting financial stability

The Solution:

Fast, flexible access to cash

Invoice Finance helps businesses convert outstanding invoices into immediate cash, improving financial stability and business agility.

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Get Paid Faster

Access up to 90% of invoice value upfront

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Flexible Funding

No need for traditional loans or collateral

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Protect Against Late Payments

No more waiting for delayed customer payments

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Outsource Credit Control

Optional debt collection and risk management

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Keep Your Business Moving

Cover expenses, invest in growth, and maintain stability

Who is eligible for Invoice Finance?

If your business issues invoices on credit terms and needs faster access to funds, Invoice Finance can help.

✔ Businesses with a minimum £100,000 turnover

✔ Limited companies selling on credit terms

✔ Minimum 14-day invoice payment terms

Image by Redd Francisco
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How Invoice Finance works

Submit Your Unpaid Invoices

Provide invoices for outstanding payments

Receive Up to 90% of the Invoice Value

Funds are released within 24 hours

Customer Pays Invoice

Your client settles the invoice as usual

Receive the Remaining Balance

Minus a small finance fee

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No need to wait for payments

Access working capital immediately

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No long-term debt

Funding is based on your sales, not loans

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Improve cash flow without adding risk

Keep your business running smoothly

Types of Invoice Finance we source

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Invoice Factoring

Sell your invoices to a finance provider and receive upfront cash

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Invoice Discounting

Retain control over collections while using invoices as security

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Selective Invoice Discounting

Choose specific invoices to finance

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Spot Factoring

Get funding on a single invoice rather than your full sales ledger

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CHOCCs

Client Handles Own Collections to maintain relationships while securing cash flow.

Making an impact with every transaction

​At GoodFX, we go beyond payments. We’re a B Corp-certified company, committed to economic inclusion and social impact.

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1/3 of our profits are donated to your chosen charity – at no cost to you
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That supports refugee education and financial inclusion initiatives
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Receive impact reports and PR materials for your ESG reporting

Safeguarding Notice:

When funds are posted to your account, in line with regulatory requirements, the regulated institutions who we work with safeguard your funds. This means that the funds shown in your payment account or e-wallet are held at reputable banks or covered by an insurance policy, and most importantly, are protected for you in the event of our partner institutions’, or our, insolvency. Our partners stop safeguarding your funds when the money has been paid out of your account to your beneficiary’s account.

 

Partner Providers:

GoodFX partners with the seven FCA-regulated entities listed below. 

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Payment and e-money services (Non MIFID related products) are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorized by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). Terms of Use are available here.

GoodFX’s Payment and Foreign Currency Exchange Services are provided by Ebury Partners UK Limited. GoodFX is partnered with Ebury Partners UK Limited as a Programme Manager. Ebury Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution (Financial Services Register No. 900797). Ebury Partners UK Limited is registered with the Information Commissioner's Office, with registration number: ZA345828

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ALT 21 Limited, a company incorporated in England and Wales (No.10723112) with its registered office at 45 Eagle Street, London WC1R 4FS, United Kingdom, is authorised and regulated by the Financial Conduct Authority of the United Kingdom (FRN:783837). ALT 21 Software Limited, the parent company, is incorporated in Ireland (No. 578153) with its registered office at Century House, Harold's Cross Rd, Dublin, D6W P993, Ireland. 

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Payment services for GoodFX Ltd are also provided by Sciopay Ltd. Sciopay Ltd is a company incorporated in England & Wales. Registration No: 12352935. Sciopay Ltd is licensed and regulated by HMRC as a Money Service Business (MSB). Licence No: XCML00000151326. Sciopay Ltd is authorised by the Financial Conduct Authority as an Authorised Payment Institution. Firm Reference Number: 927951.

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Equals Money Plc. Registered Address: 3rd Floor, Vintners’ Place, 68 Upper Thames St, London, EC4V 3BJ. Company registered in England and Wales. Registered number: 05539698. Money Service Business Registered Number: 12236741.


Interpay UK Ltd t/a TransferMate – Authorised as an Electronic Money Institution by the UK Financial Conduct Authority under registration no. 900930.

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Commercial financing solutions are offered by Spark Finance Limited, which acts as a broker rather than a lender. The company's registered office is located at 18 John Stow House, London, England, EC3A 7JB, with a company registration number of 10128297. Spark Finance Limited is authorised and regulated by the Financial Conduct Authority (FRN 958123).

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All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.  

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