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Guavas Finance UK - Leading Finance Services in UK for Small Business.

Stop Waiting, Start Growing: Turn Your Unpaid Invoices into Instant Capital.

A new 2025 report reveals the #1 brake on UK SME ambition and how the smartest owners are releasing it
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Solution To Challenges

The Report Confirms the Universal Squeeze on UK Businesses.

You've done the work and delivered the goods. But now you're waiting 30, 60, even 90 days to get paid, while your own costs are due today. This cash flow gap is what keeps great businesses from growing.

42% of SMEs are hit by payment delays.

This is the stress of covering weekly payroll or paying a key supplier, while thousands of your own money is locked up in your sales ledger.

Higher interest rates make traditional borrowing more expensive.

This means relying on costly overdrafts to bridge cash flow gaps, watching your hard-earned profit get eaten by bank fees and interest.

Businesses are 'crying out for stability' to fuel growth.

This is having to turn down a game-changing new contract or delay buying crucial equipment because your working capital is unpredictable.
The Smarter Way

You Can Keep Bridging Gaps... Or You Can Take Control.

You can keep letting customer payment terms dictate your business's pace. Or you can unlock the capital you've already earned to fuel your next move.

Unlock Your Working Capital in 3 Simple Steps:

Send Your Customer Invoices:

Simply send us a copy of the invoices you've issued for completed work or delivered goods.

Get Funded Within 24 Hours:

We can advance you up to 90% of the invoice value, with the funds landing in your account in as little as one day.

Fund Your Next Move:

Use your unlocked capital immediately to cover costs, hire staff, buy stock, or say 'yes' to that big order.
unlock your capital - book a call
Real World Examples

From Cash Flow Stress to Strategic Success:
Here's how others have done it

Group of Service Sector Businesses

Their previous funding arrangement was too rigid and costly, holding back their growth plans.
The Solution
A flexible £2 million Confidential Invoice Finance facility.
The Result
The new facility provides the headroom and confidence needed to drive their continued success and expansion.

Temporary Recruitment Agency

Their bank was unable to release further funds right before the holidays, putting payroll for 400 staff at risk.
The Solution
A £600,000 Confidential Invoice Discounting facility.
The Result
The entire process was completed in just five days, ensuring every staff member was paid before Christmas and safeguarding livelihoods.

New Security Business

As a new startup, they needed immediate access to working capital to fund operations and build momentum.
The Solution
A £200,000 Factoring facility.
The Result
They accessed the working capital they needed in less than a week, giving them the fuel to establish the business and chase success.

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"We respect your time. We'll only call at your scheduled convenience."

Your Review will be with Chris Dolan

Chris Dolan

Invoice Finance Specialist
  • Trusted by UK Construction Firms in Essex, Portsmouth, London & more
  • See exactly how much cash you could unlock in 48 hours.
  • Get a custom-built funding plan that fits your business.
  • Uncover hidden FX risks that could be silently eroding your profit.
Get Your Report Here

Not Ready for a Call? Get the Insights.

Download the full Trading Places 2025 Report for a deeper look at UK trade health and the outlook on tariff pressures.
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© 2026. Guavas Finance Ltd

Shelton Street, Covent Garden, London, WC2H 9JQ, UK
Logo Guavas Finance UK - Leading Finance Services in UK for Small Business White SVG
Invoice Finance Asset Finance Business Loans Commercial Property Finance Business Credit Cards Tax and VAT Funding
Home About Us Knowledge Guides Contact Us
get a quote
Privacy Policy Cookie Policy Terms of Use Data Protection Notice

© 2026. Guavas Finance Ltd

Shelton Street, Covent Garden, London, WC2H 9JQ, UK

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