INVOICE FINANCE
Release the cash already in your ledger
Release cash tied up in unpaid invoices. Draw against your receivables ledger rather than waiting 60 or 90 days for customers to pay. Facilities scale with your turnover.
FOR GROWING UK BUSINESSES
The funding layer for growing businesses
Banks move slowly. Opportunities do not. We place your requirement across 40+ lenders in a single conversation, covering invoice finance, asset finance, unsecured lending and trade lines, and return structured terms, not a waiting room.
- Average decision time
- 24 hrs
- Lenders on our panel
- 40+
- Upfront broker fee
- £0
WHAT WE ARRANGE
Capital for every stage of the cycle
There is no single product that fits every business. We assess your cashflow cycle, asset base and growth plan, then match you to the right instrument. Four main lines, one conversation.
ASSET FINANCE
Fund assets without depleting working capital
Fund plant, machinery, vehicles and technology without depleting working capital. Spread the cost across the productive life of the asset. Ownership or lease structures available.
UNSECURED LENDING AND MCA
Speed over security. Decision in hours.
Revenue-based and term facilities for businesses that need speed over security. Decisions in hours, drawdown in days. Merchant cash advances flex repayment against card receipts.
TRADE FINANCE
Bridge the gap between order and payment
Letters of credit, stock finance and supply chain facilities for businesses buying and selling internationally. Bridge the gap between placing the order and receiving payment.
The next step
Ten minutes on the phone
A dealer takes the brief — the amount, the timing, the exposure worth managing. No form, no portal, no queue.
Cleared in 48 hours
Standard identity and source-of-funds checks. Most clients are approved and ready to draw well inside their funding deadline.
Direct line. Every time
The dealer who took your first call takes every call after it. No rota, no relationship team, no reintroductions.
USE CASES
The right tool for the right stage
Whether you are smoothing a cashflow gap, funding an acquisition, or financing a stock order for a new market, the instrument matters as much as the rate. We help you choose correctly before you apply.
WORKING CAPITAL
Keep the operation moving
Invoice finance, overdraft replacement and MCA for businesses that need liquidity now. Keep the operation running while the receivables catch up.
GROWTH AND CAPEX
Invest with a matched repayment structure
Asset finance and term loans for businesses investing in equipment, premises or headcount. Structure the debt to match the return timeline.
TRADE AND INTERNATIONAL
Move stock without tying up cash
Trade finance and supply chain facilities for importers, exporters and businesses with complex procurement cycles. Move stock without tying up cash.
Ready to unlock working capital without selling equity?
Adamson House, Towers Business Park, Didsbury, Manchester M20 2YY
UNITED KINGDOM END CUSTOMERS: Payment and e-money services are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: 1 Sheldon Square, London, W2 6TT, United Kingdom. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199) | UNITED STATES END CUSTOMERS: Payment services in the United States are provided by Visa Global Services Inc. (VGSI), a licensed money transmitter (NMLS ID 181032) in the states listed here: https://usa.visa.com/legal/visa-global-services-licenses.html VGSI is licensed as a money transmitter by the New York Department of Financial Services. Mailing address: 900 Metro Center Blvd, Mailstop 1Z, Foster City, CA 94404. VGSI is also a registered Money Services Business (“MSB”) with FinCEN and a registered Foreign MSB with FINTRAC. For live customer support contact VGSI at (888) 733-0041 | EEA END CUSTOMERS: The issuance of e-money and the provision of related payment services for Medlock & Thames are provided by CurrencyCloud B.V. CurrencyCloud B.V. is registered with the Dutch Chamber of Commerce in the Netherlands under number 72186178. Registered office Mr. Treublaan 7, 1097 DP, Amsterdam, Netherlands. CurrencyCloud B.V. is licensed and regulated by De Nederlandsche Bank as an Electronic Money Institution (Relation Number: R142701). https://www.currencycloud.com/legal/terms/ | Medlock & Thames’ payment and foreign currency exchange services are provided by Global Currency Exchange Network Ltd T/A GC Partners. Global Currency Exchange Network Ltd is authorised by the FCA under the Payment Services Regulations, 2017 (FRN: 504346). Registered as a Money Services Business, regulated by HM Revenue & Customs (“HMRC”) under the Money Laundering Regulations 2017. (Registration number is 12137189). Registered in England and Wales. Company number 04675786. Registered Office 3rd Floor 100 New Bond Street, London, England, W1S 1SP.