We understand that different sectors have different funding needs. Find out what is typically available in your industry.
See my funding options →Different sectors have different funding structures, lender appetites and pricing. We understand the nuances so you get to the right options faster.
Recruitment businesses often face a challenging cash flow gap: placing candidates and paying contractors before invoices are settled. Invoice finance — including same-day payroll funding structures — is the most common solution for this sector.
Key considerations: payroll funding, temp vs perm split, back-office requirements
Construction cash flow is uniquely complex: milestone billing, retentions, subcontractor costs and extended payment terms all create pressure. Specialist construction finance handles retentions and stage payments in ways that standard facilities do not.
Key considerations: retention handling, CIS compliance, milestone billing
Transport businesses carry high fixed costs — fuel, drivers, maintenance — that fall due well before customers pay. Invoice finance bridges this gap effectively and a number of lenders have dedicated appetite for the logistics sector.
Key considerations: fuel costs, vehicle finance, fleet funding
Manufacturers face long production cycles, raw material costs and extended customer payment terms. Invoice finance combined with asset-based lending against plant and equipment is a common structure for the sector.
Key considerations: stock and WIP, production cycles, export finance
Engineering businesses often invoice on project milestones, creating peaks and troughs in cash flow. Invoice discounting and project finance structures are commonly used, with some lenders offering facilities specifically designed for project-based billing.
Key considerations: project billing, milestone-based invoicing
Wholesale businesses carry stock risk and often have large, concentrated debtor books. Invoice finance against trade debtors, combined with stock finance where applicable, can significantly improve working capital availability.
Key considerations: debtor concentration, stock finance, trade credit
Enter your turnover and payment terms and we will show you what funding is likely to be available for your business, regardless of sector. The insight tool covers all industries.
Indicative costs and expected facility size in under 60 seconds.
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