01
Work Completed
Deliver your goods or services to your business customer as usual and issue an invoice with standard credit terms.
The Simple Process
02
Instant Submission
Send a copy of the invoice to the finance provider through their secure platform for quick digital verification.
03
Cash Injection
Access up to 90% of the invoice value as an immediate cash advance, typically cleared in your bank within 24 hours.
04
Final Settlement
Once your customer pays the invoice in full, the lender releases the remaining 10% balance to you, minus a small fee.
Fuel Your SME Growth
Invoice finance unlocks the value of your outstanding invoices, providing immediate cash flow and the flexibility to scale. Optimised for UK SMEs, our solutions allow you to focus on growth without the constraints of traditional debt.
- Immediate Working Capital Injection
- Scalable Financing Linked to Sales
- No Long-term Bank Liabilities
- Expert Credit Management Support
Are You Eligible?
Linton Energy & Finance supports established UK SMEs looking for flexible funding. Your business is typically eligible if you meet the following baseline criteria:
- B2B Trading: Selling goods or services to other businesses on credit terms.
- UK Registration: Operating as a UK-registered Limited Company or LLP.
- Annual Turnover: Maintaining a minimum annual turnover of £100,000.
- Invoice Proof: Holding valid invoices for goods delivered or services completed.
- Operational Track Record: Consistent trading and commercial reliability.
Common Questions
What exactly is Invoice Finance?
Invoice finance is a strategic tool that allows businesses to unlock the value of their outstanding invoices. Instead of waiting 30, 60, or 90 days for payment, a lender advances you a significant percentage of the invoice value immediately, providing vital working capital.
How does it improve cash flow for SMEs?
By receiving funds within 24 hours of invoicing, SMEs can bridge the gap between service delivery and client payment. This liquidity allows you to pay suppliers, meet payroll, and invest in growth opportunities without being held back by credit terms.
What are the typical eligibility requirements?
Most lenders look for UK-registered businesses with a minimum annual turnover of £100,000, trading on a B2B basis with creditworthy customers. Both new and established businesses can often find suitable facilities with Linton Energy & Finance.
Is the facility confidential or notified?
We offer both options. Confidential Invoice Discounting allows you to manage collections and maintain customer relationships secretly, while Invoice Factoring includes ledger management where the lender handles payment collection on your behalf.
How quickly can I set up a new facility?
From initial inquiry to funds being available in your account, the process typically takes between 3 to 7 working days. Once your account is active, individual invoices can be advanced against in as little as 24 hours.