Services · Invoice finance · October 2026
£180k in unpaid invoices, turned into a funding line.
Facility approved
£93k
Clean, unsecured invoice facility. No Personal Guarantee, no debenture, approved within days.
The business
A UK services business sitting on £180,000 in outstanding invoices, paying for an expensive short-term facility to bridge the gap.
- Sector
- Services
- Location
- UK
- Ledger
- £180k outstanding
- Security
- No PG, no debenture
The ledger · £180k of outstanding invoices
£93k funded
£87k
- Released through the new facility
- £93k
- Released through the new facility
- Outstanding invoices on the ledger
- £180k
- Outstanding invoices on the ledger
- Personal Guarantees or debenture required
- £0
- Personal Guarantees or debenture required
Before and after
Before · Short-term facility
- High fees and aggressive repayment terms
- A cashflow squeeze slowing operations
- Most lenders ruled out by the need for a PG or debenture
After · Unsecured invoice facility
- £93k approved within days
- No Personal Guarantee, no debenture
- Reduced monthly pressure, aligned with the working capital cycle
What it enabled
Facility
£93k
approved within days of the ledger review
Personal Guarantee
0
no PG asked of the directors
Debenture
0
no charge taken over the business
Invoices
£180k
turned from a cashflow problem into working capital
Why this matters
With the right structure, outstanding invoices can become a strategic asset rather than a cashflow problem.