Late Payments Are Crippling SMEs.  Fact.

Don’t wait 60–90 days to be paid.

With invoice finance from Go-Business Finance, you can:

• Unlock up to 90% of invoice value in 24–48 hours

• Cover payroll, VAT, and supplier bills with confidence

• Grow without taking on extra debt

Recognised as one of the best invoice finance brokers in the UK, we help SMEs across Liverpool, Manchester, and the North West unlock cash flow fast.

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The Late Payment Problem for SMEs

Over 50% of UK SMEs are forced to wait more than 60 days for payment. In the meantime, staff still need wages, VAT deadlines don’t move, and suppliers demand settlement.

For SMEs in the North West — from manufacturers in Manchester to recruitment firms in Liverpool — late payments are more than a nuisance. They seriously damage cash flow, block growth, and in some cases, put survival at risk.

How Invoice Finance Works

Invoice finance turns unpaid invoices into instant working capital:

1. You issue an invoice to your customer.

2. Instead of waiting 30–90 days, you can unlock up to 90% of the invoice value within 24–48 hours.

3. When your customer pays, the balance (minus agreed fees) is released.

This means you get the money you’ve already earned — when you need it, not when your client feels like paying.

The Benefits for North West SMEs

Businesses across the Liverpool–Manchester corridor use invoice finance to:

• Pay staff on time — from permanent teams to temporary contractors.

• Cover VAT bills with confidence, especially when combined with rolling VAT loans.

• Smooth out seasonal dips in recruitment, manufacturing, and logistics.

• Fund growth without relying on expensive bank loans or overdrafts.

Unlike traditional borrowing, funding grows with your sales — the more invoices you raise, the more cash you can unlock.

Why Use a Broker Instead of Going Direct?

Going directly to one lender often means settling for what’s on the table. By working with Go-Business Finance, you get:

• Access to 130+ approved funders nationwide

• Options tailored to your sector — from manufacturing and distribution to recruitment and care homes

• A full range of facilities — factoring, invoice discounting, selective/spot finance, VAT loans

• Transparent terms that protect your cash flow, not the lender’s

As one of the UK’s best invoice finance brokers, we negotiate the right facility at the right price — so you stay in control.

Beyond Late Payments — Other Pressures in 2025

It’s not just late payments squeezing SMEs. Rising National Insurance costs, higher bank interest rates, and quarterly VAT bills are all adding to the pressure.

That’s why Go-Business Finance also supports SMEs with:

• VAT Loans — spread HMRC bills over 3–12 months or run on a rolling facility

• Business Loans — unsecured or secured funding for expansion or working capital

• Asset Finance — spread the cost of vehicles, machinery, or technology

• Merchant Cash Advances — flexible repayment based on card terminal sales (ideal for B2C firms)

Why Choose Go-Business Finance?

• Recognised as one of the best invoice finance brokers in the UK

• Award-winning service, trusted by SMEs across the North West

• Local expertise in Liverpool, Manchester, and surrounding regions

• Fast approvals, transparent costs, no hidden fees

• Don’t let late payments strangle your business. Find out how much working capital you could unlock today.

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