Invoice finance York: turning York invoices into cash
Invoice finance in York releases cash tied up in unpaid customer invoices, typically around 80% to 90% of each approved invoice as it is raised. Below are the York figures, funds and lender rules that shape a search, each linked to its source.
“Amazing, easy to talk to and extremely helpful.”
- Enterprises (ONS 2025)
- 7,120
- Under 10 staff
- 86.7%
- Top sector: health and social care
- 15.3% of jobs
- Regional fund (BBB)
- NPIF II
On this page
Where invoice finance fits the York economy
The business-to-business sectors that use invoice finance most account for 24.2% of employee jobs (2024) in York: manufacturing (3.4%), transport and storage (3.8%), professional, scientific and technical services (10.2%) and administrative and support services (6.8%). Great Britain: 30.2% (Nomis labour market profile: York).
| Sector | York share | York jobs | Great Britain | Ratio |
|---|---|---|---|---|
| Manufacturing | 3.4% | about 4,000 | 7.3% | 0.47 |
| Transport and storage | 3.8% | about 4,500 | 5.0% | 0.76 |
| Professional, scientific and technical services | 10.2% | about 12,000 | 9.3% | 1.10 |
| Administrative and support services | 6.8% | about 8,000 | 8.6% | 0.79 |
Professional, scientific and technical services is the stand-out here at 1.10 times the national share. 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 24.2% of York jobs, compared with 33.8% in Leeds and 28.3% in Bradford.
Regional funding beside invoice finance
Alongside invoice finance, York firms can apply to the British Business Bank's Northern Powerhouse Investment Fund II for loans of £100,000 to £2 million; our page on business loans in York covers it.
- 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 York
Straight-line distances from York:
- Invoice finance Leeds (20 miles)
- Invoice finance Hull (35 miles)
- Invoice finance Manchester (60 miles)
- Invoice finance Nottingham (70 miles)
Lenders on our panel that cover York
No invoice finance provider in our panel data (27 in all) excludes YO postcodes, so a York business is compared against all of them.
Free business support in York
York and North Yorkshire Growth Hub gives free help with credit control and cash flow planning, useful groundwork before a York 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 a YO postcode change invoice finance terms?
Not in our panel data: 27 invoice finance providers, none of which exclude YO. Providers look at your customers, how reliably they pay and how your invoices are raised.
Which York businesses suit invoice finance?
Firms that invoice other businesses on credit terms. In York, professional and support services alone are 17.0% 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.