SME Sector Solutions
Sector-specialist finance for UK SMEs
Invoice finance releases cash tied up in unpaid invoices, and how it helps depends on how your sector gets paid. Guavas, a credit broker, arranges invoice finance and other finance for UK recruitment agencies, construction firms and healthcare providers, matched from our panel of 50+ UK funders. Pick your sector below, or ask us about yours.
Rated by UK businesses · Moneyfacts Highly Commended 2025
Invoice finance suits many UK sectors
These are the sectors we have written guides for so far. If yours is not listed, tell us what you do and we will say whether invoice finance could work for you. Our funder panel covers businesses across the UK economy.
Recruitment Agencies
Payroll runs weekly. Client terms don't.
We help UK recruitment agencies keep cash flow healthy between placements and payroll, so you can place the next candidate without waiting on the last invoice.
- Weekly contractor payroll against 30 to 60 day client terms
- Funding that scales with every new placement
- Factoring or confidential discounting to suit your model
Sector guide
Maximising Invoice Finance in the Recruitment Sector
Practical strategies UK recruitment agencies use to get the most from invoice finance, from funding payroll to scaling placements with confidence.
Construction Companies
Milestones move. Retentions don't.
We help UK construction businesses bridge the gap between project milestones and long payment cycles, keeping crews paid and materials moving on site.
- Staged payments and long payment cycles that stretch cash flow
- Cover materials and crews between milestones
- Funders on our panel who work with construction firms
Sector guide
Invoice Finance in Construction: Step by Step
A step-by-step UK guide to putting invoice finance to work in construction, from application through to funding, milestone by milestone.
Healthcare providers
Contracts pay slowly. Costs don't wait.
We help UK healthcare providers free up cash tied up in unpaid invoices, so staffing and equipment costs are not held back by slow payers.
- Bridge slow-paying contracts and framework terms
- Steady cash flow for staffing and equipment
- Funding set up around your payment terms
Sector guide
Choosing an Invoice Finance Provider in Healthcare
What to weigh up when choosing an invoice finance provider for your healthcare practice, and how the right facility steadies cash flow.
Invoice finance suits businesses that invoice other businesses on credit terms and wait to be paid. It usually does not suit businesses that are paid at the point of sale, such as shops and cafes. Not sure? Ask us.
A selection of funders on our panel
Illustrative: the full panel is 50+ funders. Logos shown under each funder's own terms of use.
Award-recognised business finance
Highly Commended: Invoice Finance Broker of the Year, Business Moneyfacts Awards 2025
Confirmed Finalist: Invoice Finance Broker of the Year, Business Moneyfacts Awards 2026
These awards recognise Guavas for invoice finance broking. Whatever your sector, we look for funders whose terms suit how your business trades.
Why Guavas
Why use Guavas
We ask a few questions about your business, then search our panel of 50+ UK funders across invoice finance, business loans and business credit cards. The right funder gets in touch with you.
Expertise in Financial Solutions
We ask about your business, then search our panel of 50+ funders for the ones whose criteria fit.
A Comprehensive Approach
Once you have chosen an option, we stay involved while the funder reviews your application.
Our three-step process
The Guavas way
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Tell us what you need
Fill in a quick form in about two minutes, just the basics about your business and what you need. No personal or business credit checks, and no impact on your personal or business credit score.
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Smart matching
We use your answers to search our panel of 50+ UK funders for finance that fits your sector and situation.
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Compare your options
See the options that suit you, choose the one that fits, and move forward when you are ready.
Beyond invoice finance
Explore our Finance Solutions
Invoice Finance
Turn unpaid invoices into working capital: a funder advances most of each invoice's value up front, releasing cash as you trade.
Learn moreBusiness Loans
A lump sum for growth, equipment, or working capital, repaid over an agreed term, arranged from our panel of UK funders.
Learn moreBusiness Credit Cards
A revolving credit facility for everyday business spending, keeping business and personal finances cleanly separate.
Learn moreGet your free, no-obligation quote today
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