Payroll before customer payments
A recruitment business paying workers before its business customers settle invoices.
INVOICE FINANCE, WITH ALIGNED FINANCE
You’ve done the work.
What about the wait?
Waiting for business customers to pay? Explore whether invoice finance could release some of the cash tied up in your unpaid invoices.
An introduction to a broker. A clearer place to start.
Let’s start with your business.
Who do you usually invoice?
We’ll take it from there.
Your next step starts here
One question at a time.
Question 1 of 6Let’s start simple
For UK businesses
An introduction to our broker network
No obligation to borrow
INVOICE FINANCE, EXPLAINED
The work is done.
The cash could work harder.
Invoice finance can advance a proportion of eligible unpaid invoices. When customers pay, the remaining balance is released after charges and any adjustments. It is different from a loan with a fixed repayment schedule.
Materials for the next job
A manufacturer or supplier buying materials while waiting for previous orders to be paid.
Fuel for the working week
A transport business covering ongoing costs while customers pay on agreed terms.
Illustrative situations, not customer stories or offers of finance.
COULD THIS FIT YOUR BUSINESS?
A little context
goes a long way.
This route is generally relevant to businesses invoicing other businesses on credit terms. A broker will ask about customers, invoice values, payment terms and your business. Not every invoice or business will qualify.
How much is available?
The advance depends on eligible invoices and the provider’s assessment. It may differ from the total outstanding.
Who collects payments?
Some arrangements include credit control; others leave collections with your business. Ask whether customers will be told.
What does it cost?
Ask about service fees, charges on funds advanced, minimum fees and contract length, including exit terms.
FROM YOUR PLANS TO A CONVERSATION
Big plans start
with a conversation.
Start with what you know.
Talk through the rest with a broker.
01 / YOU
Tell us what you need
Share a rough amount, your plans and a little about your business. You won’t need to upload accounts or bank statements for this introduction.
02 / ALIGNED FINANCE
We make the introduction
Your answers give a broker in our UK network a useful starting point. The next step is a conversation about your circumstances.
03 / YOUR BROKER
Explore the options together
Ask about costs, repayments and any security required. If you decide to apply, a lender assesses the application. There’s no obligation to borrow.
IT’S GOOD TO ASK
Good questions.
Clearer answers.
Is this for invoices I need to pay?
This route concerns invoices your business has issued to customers. If you need money to pay suppliers, explore the business-loan route or choose help deciding.
Will my customers know?
It depends on the arrangement. A broker can explain disclosed and confidential options, where available, and who handles payment collection.
Can I use overdue invoices?
Possibly, but overdue or disputed invoices may not be eligible. Tell the broker about their status rather than assuming the full amount can be funded.
Is Aligned Finance a lender?
No. Aligned Finance introduces UK businesses to brokers in our network. Brokers discuss options with you; lending decisions are made by lenders.
Can my business enquire?
This journey is designed for UK businesses. Trading history, turnover, business type and the funding need can all affect the options available. Starting an enquiry does not confirm eligibility.
What happens after an enquiry?
An introduction starts a conversation about your needs and any further information a broker would need to explore your options.
Will there be a credit check?
If you go on to apply for finance, ask your broker what checks the lender will make and whether they could affect your credit record.
Are there fees?
Fees and borrowing costs depend on the broker, lender and finance product. Ask for a clear explanation of any charges before proceeding.
Could I need security or a personal guarantee?
Some finance arrangements require security or a personal guarantee, including some unsecured business loans. Your broker should explain what is required and what it means before you decide.
What should I have ready?
A rough funding amount, your reason for funding and some basic business information are enough to explore this introduction. A broker or lender may request accounts, bank statements or other documents later.