Unlock Cash Flow With Our Invoice Finance Brokers

Your invoices sometimes feel like idle assets. As invoice finance brokers specialising in complex cases, we specialise in helping release their value fast; turning outstanding payments into working capital. Construction retention clauses? Long payment terms choking growth? We routinely arrange invoice finance which others call ‘too complicated.’

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Why So Many Invoice Finance Brokers Get It Wrong

The problem with many invoice finance brokers? They cherry-pick the easy cases and leave the other hard-working operators by the wayside. We understand that real business can be messy. Where some clients will pay in 30 days, others stretch it to 90. Then there are disputes over high-value invoices, which can create chaos for your books.

At Mills Commercial Finance, we understand that these complexities aren’t failure — they’re reality. Whether you need selective invoice discounting, full factoring with credit control outsourced, or confidential facilities where clients never know you’re using finance, we match you with lenders who operate in the real world. Not the textbook version.

4 Easy Steps to the Funds You Need

As experienced invoice finance brokers, we’ve arranged hundreds of facilities. The process is straightforward once you’ve got an expert by your side.

1.

Assessing Your Debtor Book

Who owes you what? Payment terms? Outstanding balances? We review your invoicing to identify which finance structure delivers full cash release.

2.

Matching You With Lenders

Not all invoice finance brokers access the same pool of lenders. We always work with specialists who understand your sector — whatever the complexity involved.

3.

Structure Terms That Work

Advance rates, reserve accounts, fees, and more. We negotiate invoice finance facilities that release cash without creating new admin headaches or unrealistic terms.

4.

Full Set Up and Support

Account setup and client notifications to first drawdown. After implementation we’re available for queries. Your facility should create growth, not create more problems.

Need Invoice Finance Brokers?

Tired of waiting for payment while your cash sits locked in invoices? Our invoice finance brokers arrange facilities for companies with complex debtors that some brokers won’t touch. Messy ledger? Perfect. We specialise in business reality, not perfection.

Specialist Commercial Finance For Construction & More

Construction businesses live with retention clauses that hold back a percentage for months when you’ve got materials to buy and wages to pay. Generic invoice finance brokers see retention and panic. We see standard practice. Our facilities are structured around the commercial reality of your industry.

Services Graphic White V4 CONSTRUCTION SCAFFOLDING CIVIL ENGINEERING HAULAGE

OTHER INDUSTRIES

Recruitment agencies drowning in payroll before client payments arrive. Logistics companies with long payment terms. Manufacturing businesses extending credit. Our invoice finance brokers work across any sector where cash is frozen in outstanding invoices.

BUSINESSES

RECRUITMENT

HEALTHCARE

“We’re in the construction business and in this industry, things can get tight at times. That’s why we spoke to the girls. They were really professional, very encouraging and kept me calm. They were always at the end of the phone or text message and they always replied back very promptly.”
Concrete Supplier, Northamptonshire
“I would absolutely recommend your services to other businesses. The professionalism and expertise of your team were invaluable in helping me achieve my goals.”
Maintenance Business, Wolverhampton
“Just wanted to say that recently we used Mills Commercial Finance – Samantha Elsby-Colton in particular – to check out some finance for our small company and she couldn’t have been more helpful in ensuring we got the right information.”
Hairdressers, London
“I do not generally send reviews as I rarely feel that my expectations have been met – never mind exceeded! On this occasion I am more than prepared to put in writing that you have exceeded my expectations by a country mile!!”
Joinery Business, Leeds
“Mills were excellent from start to finish in terms of communication and identifying the right package for the business. I would thoroughly recommend to anybody looking for funding.”
Retailer, Manchester

About Mills Commercial Finance

We became invoice finance brokers because businesses with genuine cash flow problems kept getting rejected for seemingly trivial reasons. Based in Manchester, working nationwide, we’ve built relationships with specialist lenders who fund complex debtor cases — not just the ‘easy ones’.

FAQs

Invoice finance (discounting) means you keep on top of credit control and collections. Clients often aren’t even aware you’re using finance. Factoring means the lender manages your sales ledger and chases payment. Which works best depends on your business but, as invoice finance brokers, we‘ll explain both options clearly.

Usually yes. Most invoice finance brokers run from anything imperfect. We assess the whole picture. Occasional disputes or delays won’t automatically disqualify you from funding.

Q3: How quickly can invoice finance brokers release funds?
Once your facility is established, typically 24 hours from invoice submission. Initial setup takes 1-3 weeks depending on complexity — due diligence on your business, debtor verification, legal agreements. We manage the timeline so you know exactly when cash becomes available.