UK limited companies selling to other businesses
Invoice Finance · UK limited companies
Invoice Finance Eligibility
Invoice-finance eligibility depends heavily on the invoices and customers: completed B2B sales, enforceable debts, debtor quality, concentration and ledger controls.
NBS Finance is a broker and introducer, not a lender. An enquiry does not guarantee an offer.
Separate the business checks from the invoice checks
| Position | What to prepare |
|---|---|
| A clearer starting fit | Completed B2B work, identifiable customers, agreed credit terms, undisputed invoices and records that reconcile to delivery or accepted service. |
| Specialist review | New companies, one dominant debtor, overseas customers, construction applications or contractual restrictions: explain the exact circumstances and evidence. |
| Likely barriers for the affected debt | Future work, consumer debts, unresolved disputes, unearned amounts, stale or uncollectable debts and invoices already assigned without an agreed release. |
Good customers do not remove checks on your own business, authority, financial position, controls, existing borrowing or security. Minimum turnover, invoice size, age limits, guarantees and sector appetite vary by provider; there is no universal NBS threshold.
A signed order is evidence of future work, not an invoice for completed delivery. Use startup guidance for the first trading cycle, selective funding for occasional needs and specialist construction review for payment applications. Prepare the document checklist.
Quick answer
When this may be worth discussing
Completed, undisputed invoices
A ledger that can be evidenced and reconciled
Provider assessment
Information that helps produce a useful answer
Providers set their own rates, charges, fees, security and terms. Clear evidence helps distinguish a viable route from an unsuitable application.
- Aged debtors and sample invoices
- Contracts, proof of delivery and credit notes
- Customer concentration, disputes and existing security
Important:
Consumer invoices, stage payments, applications for payment and contractual restrictions may require specialist assessment.
NBS Finance is a broker and introducer, not a lender. NBS does not charge the client a separate broker fee. Providers set costs and terms and may carry out business or director credit checks; ask which searches will be made before a full application. An enquiry does not guarantee an offer.
Invoice-finance fit questions
Can a new company be considered?
Some providers consider new businesses, but founder experience, actual clients, completed work, reporting and cash requirements need review. Future contracts alone do not create eligible debt.
Can one customer support a facility?
A concentrated book may need specialist review and customer limits. Show the legal debtor, contract, payment record and the cash effect if it pays late.
Can old or disputed invoices be used?
They may be excluded or reduce availability. Disclose their age and dispute status; do not assume invoice value equals usable cash.
Will a personal guarantee be required?
This depends on the provider and structure. Ask for the exact guarantee and security terms and obtain appropriate advice before signing.
Further reading and scope
This page is general commercial-finance information, not legal, tax or accounting advice. Read the relevant official guidance at www.british-business-bank.co.uk.
NBS Finance primarily supports UK limited companies. NBS Finance is not incorporated as a limited company and is not authorised or regulated by the Financial Conduct Authority. Where applicable, NBS works with lenders and intermediaries that are FCA-authorised for their own regulated activities; their status does not make NBS Finance FCA-authorised.
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