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Invoice finance for technology

Invoice finance releases most of the value of your unpaid invoices within days of raising them. Founders use Rook Bristol invoice finance to hire engineers ahead of a contract or buy servers, networking and client hardware, with rolling facility and advances typically within 24 hours of submitting an invoice, once live.

Apply nowAbout invoice finance
Check your eligibilityStep 1 of 5
How much funding do you need?

A best guess is fine. You can change it with your finance manager.

£10K£1M
How long have you been trading?
What's your average monthly turnover?

Total money coming into your business account in a typical month.

What type of business is it?
Where should we reach you?

We'll use this only for your application.

Invoice finance for founders
AmountFacility linked to your sales ledger
TermRolling facility
SpeedAdvances typically within 24 hours of submitting an invoice, once live
PaymentsSettled when your customer pays, less an agreed fee
Best forB2B firms on 30 to 90 day payment terms

Common uses in technology

  • Hire engineers ahead of a contract
  • Buy servers, networking and client hardware
  • Bridge the wait for an R&D tax credit claim
  • Fund a product launch or marketing push
  • Bridge enterprise payment terms

Why founders choose invoice finance

Recurring revenue is an asset

Predictable subscription income can support funding without selling equity at an early valuation.

R&D tax credits arrive later

Claims can take months to pay out. Revolving credit covers the wait so development doesn't slow.

Hardware comes first

Servers, networking kit and client deployments can be spread over their working life with asset finance.

Enterprise and public sector pay slowly

Long procurement and payment cycles leave cash tied up. Invoice finance or a revolving facility bridges them.

How does invoice finance work?

  1. 1

    Apply and share your aged debtors report. We assess the quality of your customers as much as your own business.

  2. 2

    Choose factoring, where we manage collections for you, or invoice discounting, where you keep control and customers need not know.

  3. 3

    Raise an invoice as normal and upload it. We advance an agreed percentage of its value, usually within 24 hours.

  4. 4

    When your customer pays, you receive the balance, minus a fee agreed at the outset.

What do I need to qualify?

  • 6 months trading
  • £10K+ in monthly turnover
  • A UK-registered business
Check my options

Other funding for founders

Questions, answered

Something else on your mind? Ask the team.

Can founders qualify for invoice finance?
Many can. We typically look for a UK-registered business, 6 months trading and £10K+ in monthly turnover. We review technology businesses with the sector's cash-flow patterns in mind. All finance is subject to status.
What is invoice finance?
Invoice finance lets you borrow against money your customers owe you. You receive an advance on unpaid invoices, then the balance, less fees, once the customer pays.
What's the difference between factoring and invoice discounting?
With factoring, the finance provider manages your sales ledger and collects payment from your customers. With invoice discounting, you keep running credit control and collections yourself, and the arrangement can be confidential.
Do SaaS companies qualify?
Yes, if you have at least 6 months of trading and £10,000 or more in monthly turnover. Recurring subscription income strengthens an application.

Want to partner with us?

Businesses, brokers and introducers: check eligibility in about three minutes, or talk to our team about working together.

Apply nowContact our team