Invoice finance Manchester: turning Manchester invoices into cash
Invoice finance in Manchester releases cash tied up in unpaid customer invoices, typically around 80% to 90% of each approved invoice as it is raised. Here is what a Manchester business should know before it applies, with every figure linked to where it comes from.
“He knows his stuff and is easy to deal with.”
- Enterprises (ONS 2026)
- 24,550
- Under 10 staff
- 87.3%
- Top sector: professional
- 13.2% of jobs
- Regional fund (BBB)
- NPIF II
On this page
Where invoice finance fits the Manchester economy
The business-to-business sectors that use invoice finance most account for 33.7% of employee jobs (2024) in Manchester: manufacturing (2.6%), transport and storage (6.4%), professional, scientific and technical services (13.2%) and administrative and support services (11.5%). Great Britain: 30.2% (Nomis labour market profile: Manchester).
| Sector | Manchester share | Manchester jobs | Great Britain | Ratio |
|---|---|---|---|---|
| Manufacturing | 2.6% | about 11,800 | 7.3% | 0.36 |
| Transport and storage | 6.4% | about 29,000 | 5.0% | 1.28 |
| Professional, scientific and technical services | 13.2% | about 59,800 | 9.3% | 1.42 |
| Administrative and support services | 11.5% | about 52,100 | 8.6% | 1.34 |
The ratio is highest for professional, scientific and technical services, at 1.42. Agencies and consultants often wait 30 days or more after a milestone invoice, which is cash an invoice facility can release.
Against its nearest neighbours in our data, those sectors are 33.7% of Manchester jobs, compared with 24.3% in Liverpool and 25.5% in Sheffield.
Regional funding beside invoice finance
If part of the money is for something invoice finance cannot fund, the Northern Powerhouse Investment Fund II covers Manchester, with debt finance of £100,000 to £2 million. Our page on business loans in Manchester sets out the fund in full.
- DiscussTell us what the funding is for.
- Explore the marketWe search 300+ lenders and compare offers.
- Compare offersWe explain the options clearly.
- Move forwardChoose the right facility for your business.
Invoice finance near Manchester
Straight-line distances from Manchester:
- Invoice finance Leeds (35 miles)
- Invoice finance Nottingham (60 miles)
- Invoice finance Birmingham (70 miles)
- Invoice finance Newcastle (105 miles)
Lenders on our panel that cover Manchester
No invoice finance provider in our panel data (27 in all) excludes M postcodes, so a Manchester business is compared against all of them.
Free business support in Manchester
GM Business Growth Hub gives free help with credit control and cash flow planning, useful groundwork before a Manchester business sets up an invoice facility.
- Access to 300+ lendersWhole-of-market search across our lender panel.
- Independent brokerSmart Funding Solutions is an independent broker, not a lender.
- Tailored to your caseYour case presented to lenders suited to it.
- Support from start to finishOur experts handle the process from start to finish.
Sources
Every figure above comes from one of these, checked on 18 October 2026. Lender coverage is from the criteria held for each lender on our panel.
We are a credit broker, not a lender. Fees depend on the lender, and there is nothing to pay upfront. This page is general information, not financial advice. Lenders set their own criteria, rates and terms, and all finance is subject to status.
Common questions
Does an M postcode change invoice finance terms?
Not in our panel data: 27 invoice finance providers, none of which exclude M. Providers look at your customers, how reliably they pay and how your invoices are raised.
Which Manchester businesses suit invoice finance?
Firms that invoice other businesses on credit terms. In Manchester, professional and support services alone are 24.7% of jobs, against 17.9% across Great Britain.
What our clients say
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
Why businesses choose Smart Funding Solutions
- Access to 300+ lenders
- Personal broker support
- No obligation discussion
- Free to enquire
Our clients say
Trusted by UK businesses across every sector.
“Simon was fast, kept us updated at all stages and was a real pleasure to work with on our asset finance. I highly recommend this company: excellent service all round.”
“Spoke with Simon, who managed to get me the loan I needed promptly. The whole process was very smooth and was completed within a few days.”
“Getting a business loan can feel like a bit of a minefield, but everything was broken down for me in great detail. Will use again in the future!”
“Simon was a pleasure to deal with and helped us find a business loan that matched our growth goals and future expansion plans.”
“I couldn’t source funding for my business, but the team got in touch within an hour and had it sorted within 24 hours. Fantastic service, and I would definitely use them again.”
whole of market
Ready to talk it through?
Speak to a broker or get instant quotes today.