Accounts Receivable Factoring

Invoice financing for startups can help growth by improving cash flow

What is Accounts Receivable Factoring?

Accounts receivable factoring is a financial service that enables businesses to convert their outstanding invoices into immediate cash. This service enhances cash flow by providing quick access to up to 90% of the value tied up in unpaid invoices, allowing businesses to meet their financial obligations and invest in growth opportunities without waiting for customer payments.

Unlike Invoice Discounting, when factoring the lender will normally handle your credit control. This will save your business time as you will not have to chase your clients for payment, allowing you to focus on your business.

*Apply for £25k to £10m

*All credit profiles considered

How Does Accounts Receivable Factoring Work?

Create Invoice: You provide goods or services to your customer and issue an invoice.
You submit the unpaid invoice to a factoring provider.
Immediate Cash Advance: The factoring provider advances you a percentage of the invoice value, typically between 70-90%.
The factoring provider takes over the collection process and directly contacts your customer for payment – in line with agreed terms.
Your customer pays directly to the factoring provider
Once the customer pays the invoice in full, the factoring provider releases the remaining balance to you, less any pre agreed fee.

Would you like more Information?

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Benefits of Accounts Receivable Factoring

Receive immediate funds to cover expenses, invest in growth, or manage unexpected costs.
Save time and resources by letting the factoring provider handle the collection process.
No trading history required.
Relies on creditworthiness of your customer.
Option to insure against risk of non payment.

Is Accounts Receivable Factoring right for your business?

With a wide and varied range of funding solutions and lenders, it can be difficult to understand which is the best option for your business. At Aim Financial Solutions, we will help you to understand which funding options are the best solution for your business and we will help you to secure the most competitive terms with the best lender for your circumstances.

Ready to unlock your working capital? Contact us today to learn more about how invoice finance services can benefit your business.

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Don’t take our word for it…

      EXCELLENT  
   Based on 23 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Anthony Rowe 
 09/09/2026
 
 
 Trustindex verifies that the original source of the review is Google. I cannot recommend Shaun at Aim Financial Solutions Limited highly enough. He guided us through the financing options for a warehouse purchase and made what could have been a complex and stressful process feel straightforward from start to finish.

What truly set Shaun apart was his exceptional availability and dedication. Even when he was away in France on a family holiday, he remained at the end of the phone throughout the final stages of completion, never once making us feel like an inconvenience. That level of commitment to his clients goes well above and beyond, and it gave us complete confidence at a critical time.

Throughout the entire process, Shaun was efficient, responsive, and thorough. Every question was answered promptly and every concern addressed with professionalism. It's rare to find someone who combines genuine expertise with such a personal, attentive approach.

If you're looking for someone you can truly rely on when it matters most, Shaun and the team at Aim Financial Solutions Limited are the people to call. We are delighted with the outcome and would not hesitate to work with them again.
  
 
      Posted on Google  
   
   Jamie McLintock 
 17/06/2026
 
 
 Trustindex verifies that the original source of the review is Google. We were recommended Shaun by our accountants and he didn’t disappoint… very professional, easy to deal with and he provided valuable insight into a business refinancing application. He came up trumps with better rates than we probably could have secured. Very satisfied and we will be passing his details on to friends with businesses in the future… highly recommend!
  
 
      Posted on Google  
   
   Stuart Parkinson 
 13/03/2026
 
 
 Trustindex verifies that the original source of the review is Google. Shaun is an absolute diamond! Went above and beyond when I was up against it! Worked with me late into a Friday evening when most people would have shut down for the weekend. What an absolute star, cannot recommend enough!
  
 
      Posted on Google  
   
   Paul Insley 
 06/02/2026
 
 
 Trustindex verifies that the original source of the review is Google. Shaun has been incredibly helpful, very communicative and knowledgeable.  I would highly recommend Shaun to any business owner with financing needs
  
 
      Posted on Google  
   
   Hayden Murphy 
 01/07/2025
 
 
 Trustindex verifies that the original source of the review is Google. I would highly recommend Shaun for any financial services you may require. Dealing with Shaun has been very straightforward and AIM have been highly efficient and professional throughout.
  
 
      Posted on Google  
   
   S R 
 01/07/2025
 
 
 Trustindex verifies that the original source of the review is Google. I have had the pleasure of working with Shaun for many years and I can attest without reservation to his outstanding skill and dedication. He consistently secures the most favourable rates and is remarkably well connected within the industry and above all possesses an unrivalled ability to see transactions through to completion with utmost efficiency. I cannot recommend his services highly enough to anyone seeking a true professional in the field.
  
 
      Posted on Google  
   
   Marcelo Resende 
 20/06/2025
 
 
 Trustindex verifies that the original source of the review is Google. Rowan Brown was very supportive, assisting me every step of the way.
  
 
      Posted on Google  
   
   Simon Green 
 07/04/2025
 
 
 Trustindex verifies that the original source of the review is Google. Shaun is friendly and professional and he quickly helped us access the funding that we needed!
  
 
      Posted on Google  
   
   Imran Talukder 
 05/03/2025
 
 
 Trustindex verifies that the original source of the review is Google. Shaun has been looking after our business for a number of years now. Always great service. He has helped with many lines of funding for the business, always a phone call or message away. Thank you Shaun for all your support.
  
 
      Posted on Google  
   
   Eian Hardacre 
 26/02/2025
 
 
 Trustindex verifies that the original source of the review is Google. Shaun and the team go the extra mile to ensure that the best funding option is obtained.  The support and service they give is truly excellent.