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Your Business Finance Partner

WE ARE SMART – we work with you, providing independent advice on cashflow solutions for your business

Your Asset-Based Finance Partner

Smart business finance operates nationwide providing a fast, free, independent service to UK businesses.

We help owner-managed businesses in a variety of situations including new starts, periods of expansion and re-structures. 

Invoice Finance will release cash that is tied up in your unpaid sales ledger to improve working capital and finance expansion. We will shop around providers and find the best deal that meets your requirements at the most competitive price.

Choosing the right facility and the best provider for your business can be time-consuming. With considerable experience in the invoice finance industry, we can find the best solution for your business.

We believe passionately in providing quality long-term advice – if we feel we cannot improve your existing facility we will tell you! Our income is derived from the lenders; we do not charge for our advice. Our service is professional, confidential and without obligation.

Our Services

At Smart Business Finance, we help a range of small businesses from various sectors.

We take time to understand your business and usually arrange a meeting to discuss how an invoice finance facility can be tailored to suit your circumstances. If you already have an invoice finance facility, we will request some basic information to undertake a review of how your facility works together with our recommendations. We make no charge for this service.

We will keep in touch to ensure your facility is working for you – occasionally we will make recommendations for further improvements. We also offer a quarterly audit service. Get in touch today as we can help.

Office workplace with business finance on laptop and calculator

Invoice Discounting

Invoice Discounting is usually a fully confidential facility that offers flexible funding that grows in line with your business. Bad Debt Protection is also available, offering you peace of mind against any bad debts.

Invoice Factoring

Factoring includes full ledger management, leaving you with more time to run your business. Bad Debt Protection is also available (the facility is then termed “Non-Recourse”), offering you peace of mind against bad debts.
Businessman analysing asset finance graphs with calculator and laptop.

Asset Finance

Our Asset Finance options distribute the cost of equipment financing over a specified length of time hence assisting cashflow. Asset Finance can also help businesses refinance existing assets.

Spot Factoring

Spot Factoring, or Selective Invoice Finance, is defined as the purchase of a single or one-off invoice. It is ideal if your business receives one-off orders, has a short-term cash flow issue, or does not want to be tied into a lengthy invoice finance contract.

Business person looking at invoice finance documents.

“Jonathan from Smart business Finance is always there to offer advice and to point us in the right direction to any questions we have and to tell us of the best deals for finance for our company. We have no problem in saying we as a company would use these people at any time“.

Ged Flinders

East Coast Logistics Ltd


‘We have dealt with the Team at Smart Business Finance for over 3 years. They introduced me to my finance partner and have since helped to source a credit protection policy for me. Jonathan has gone above and beyond for me through our business transitional period.

Jay Kahn

Higher Healthcare


“Extremely helpful and friendly; they found the best service that suited my business needs. Always checked in to see that I was happy with the services after. Their dedication to ensuring my satisfaction and the exceptional level of service they provided truly exceeded my expectations.”

Asfana Ali

Prioritising People


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