Borrow

Invoice Finance

Unlock Up to 90% of Your Unpaid Invoices

Turn outstanding B2B invoices into working capital with flexible financing options tailored to your business needs.

Unlock Up to 90% of Your Unpaid Invoices

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Smart financing that works for your business

Our AI-powered platform connects you with the right lenders quickly, offering flexible financing options secured against your invoices, not your assets.

Quick Decision Making

Our AI platform routes your quotes to the lenders most likely to accept, speeding up the approval process.

Credit-Safe, Not Debt

Funding is secured against invoices, not company assets, protecting your business while providing capital.

Get Multiple Offers

See multiple facility offers from different lenders, giving you flexibility and choice in your financing.

Choose from 5 financing options

From confidential invoice discounting to selective financing, find the solution that fits your business model and cash flow needs.

1.) Confidential Invoice Discounting

Borrow against your invoices while keeping the process completely confidential from your customers.

2.) Invoice Discounting

Borrow against unpaid invoices with customers aware of the lender's involvement in the process.

3.) CHOCs

Client handles its own credit control services while receiving funding against invoices.

4.) Spot Factoring

Business sells specific invoices for immediate cash, ideal for one-off transactions.

5.) Selective Invoice Finance

Flexible financing where you choose exactly which invoices you'd like to finance.

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Stable is powered by Spark Finance, authorised by the UK Financial Conduct Authority (FRN 958123). Stable is an introducing credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over. Guarantees and indemnities may be required. Stable may receive commission from lenders which may vary depending on the lender, product or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Wholesale Business

"Invoice finance from Stable cut our DSO from 62 to 14 days."

Sarah B., Lunar Wholesale

Managing Director

Ready to improve your cash flow?

Get multiple financing offers from leading lenders and choose the option that works best for your business.

Get a Finance Quote

Frequently Asked Questions

Keeping you
in the loop.

UK-registered, credit-worthy debtors are eligible. We assess the creditworthiness of your customers to determine financing availability.

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