Invoice finance for accountants

• Cash flow challenge: Facing cash flow strain because of delayed customer payments or long credit terms.

• Perfect for: Accountants, finance directors, and business advisers supporting UK SMEs that need faster access to working capital without increasing debt..

Novuna helps accountants and their clients with finance solutions, either through our award-winning in-house service or by comparing providers and making sure you have a great deal for your situation.

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What is invoice finance and how can it help accountants?

Invoice finance allows businesses to access a portion of the cash tied up in unpaid invoices. Instead of waiting 30, 60, or even 90 days for customers to pay, a finance provider like Novuna advances most of the invoice value upfront.

This immediate injection of cash can be used to cover payroll, supplier costs, tax liabilities, or investment in growth giving your clients predictable, healthy cash flow.

For accountants, invoice finance represents a simple, flexible solution to one of the most common financial challenges clients face: managing the gap between work completed and payment received.

Benefits of invoice finance for accountants and firms

Benefits for your client:

• Immediate access to up to 90% of invoice value within 24–48 hours.

• Improved cash flow predictability without taking on traditional debt.

• Greater flexibility to fund payroll, suppliers, and tax obligations.

• Outsourced collections (if using invoice factoring) to reduce admin burden.

Benefits for your firm:

• Strengthen advisory relationships by offering real, tangible solutions.

• Position your practice as proactive and commercially minded.

• Build client loyalty by helping them scale with confidence.

• Create partnership opportunities with trusted finance providers.

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How invoice finance works for accountants

1. Your client invoices their customer for completed work.
2. They send the invoice details to an invoice finance provider.
3. The provider advances a percentage of the invoice (usually 80–90%) within 24 hours.
4. Once the customer pays, the remaining balance (minus fees) is released.

Accountants can recommend either invoice factoring (where the provider manages payment collection) or invoice discounting (where the client retains control).

When to consider invoice finance for clients or your firm

• Clients waiting on long payment terms from large customers or the public sector.

• Fast-growing businesses reinvesting profits into recruitment or operations.

• Seasonal companies with fluctuating cash flow needs.

• Clients in sectors like manufacturing, recruitment, or healthcare, where cash flow is critical to daily operations.

Invoice finance works well alongside other flexible facilities such as working capital loans, business overdrafts, or asset finance, giving accountants more tools to tailor funding solutions to each client’s needs.

Common misconceptions accountants help solve

• “Invoice finance is only for struggling businesses” – It’s widely used by healthy, growing firms managing long debtor cycles.

• “It’s too expensive” – Costs are often offset by improved cash flow and reduced reliance on short-term borrowing.

• “It’s complicated” – With trusted providers like Novuna, setup is simple, transparent, and fully supported.

How Novuna Business Cash Flow can help

At Novuna Business Cash Flow, we understand the financial pressures with accountants across the UK to help them deliver practical cash flow solutions to their clients.

Speak to our experts today and we will help you find a great fit for your situation.