2 min read
When invoice finance wins
For a cash-flow problem caused by slow-paying customers, invoice finance directly unlocks the trapped cash and scales as your sales grow, so a growing ledger funds itself. See how it works.
When a loan wins
If the cash-flow gap is not tied to your invoices — a tax bill, a seasonal dip, an equipment need — a loan or facility is cleaner, giving a defined sum independent of who owes you what.
What it means for you
Credicorp lends to your company, not to you personally, and takes no personal guarantee. See business loans or apply online.
Frequently asked questions
Is invoice finance always better for cash flow?
Only when the cash is stuck in unpaid invoices. Then it directly unlocks the trapped value and scales with sales. For needs unrelated to invoices, a loan or facility fits better.
Can I use both invoice finance and a loan?
Yes. Some businesses use invoice finance for day-to-day cash flow and a loan for a specific investment, keeping each matched to its purpose.
Related reading
What is invoice finance and how does it work?
Invoice finance advances you most of the value of an unpaid invoice straight away, then settles when your…
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Can I borrow against unpaid invoices?
Yes — invoice finance advances most of the value of unpaid invoices immediately, so cash tied up on your…
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How do I reduce my debtor days?
Get paid faster by setting clear terms up front, invoicing promptly, chasing early, and rewarding prompt…
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A customer is disputing a large invoice and withholding payment — how do I cope with the cash gap?
A disputed invoice can freeze a large receipt for weeks; a short facility covers the gap so a single dispute…
Read →Funding for UK limited companies
Credicorp lends to your company, not to you personally — short-term working capital with no personal guarantee. See what your business could access.