Get Paid. Stay Sane.

We don’t just arrange Invoice Finance products - we make them work better.

At Optimised Factoring, we help UK SMEs unlock cash tied up in invoices, faster, smarter, and with complete transparency.

We exist to make business funding faster, fairer and genuinely understood.

We’re not a lender. We’re an independent consultancy and broker that explains, compares, and analyses Invoice Finance facilities so business owners can make confident, informed decisions about their cash flow.

For new users, we demystify the world of Invoice Finance, breaking down Factoring, Invoice Discounting, Spot Factoring, and Revolving Credit Facilities and then match you with the best-fit lender from our 40+ strong UK panel.

For existing users, our Switch or Stay service benchmarks your current facility against the wider market. We’ll show you where the hidden costs live, where you can save, and how to make your funding line run leaner and smarter.

The result? Clients who stay in control, get paid faster, and free up headspace for growth.

From Tier-1 banks to specialist independents, we cover the full spectrum of UK working capital, including Trade Finance and Trade Credit Insurance.

No jargon. No tied lenders. No hidden agendas.

Just straight-talking advice that helps UK businesses stay liquid, stay sane, and stay ahead.

Smarter funding. Stronger cash flow. Real results.

Regulatory statement:
Optimised Factoring acts as an independent credit broker, introducing UK business customers to a panel of commercial lenders. We are not a lender and are not tied to any provider. We introduce unregulated business finance only and do not offer, arrange, or advise on regulated lending products.


Optimised Factoring

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Optimised Factoring

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