The work is done. The money is owed. Get paid what you're owed — usually within days — by releasing the cash tied up in your unpaid invoices. We search the whole market, compare every quote in plain English, and tell you the commission we earn before you sign anything.
We're not a lender — so we've nothing to push. Roughly half the time, the fair answer is "stay put", and we'll tell you so.
That's the point. Because we don't lend, we've no product to push — only the job of putting you with the right funder.
Fairbank & Co is an independent invoice finance brokerage. We help UK limited companies release cash from their unpaid invoices — typically within days — by matching them with the right funding partner from across the whole market.
We know the invoice finance market the way you know your own industry: which funders are genuinely fast, which suit recruitment agencies versus hauliers versus manufacturers, what each one really charges once every fee is counted, and — most usefully — who is likely to say yes to a business like yours before you spend a fortnight finding out the hard way.
Our job is to put you with the right funder, negotiate terms worth having, and then stay in your corner for the life of the facility.
Tell us about your business once — turnover, sector, who owes you what. We do the legwork across our panel of funders and come back with options, not adverts.
Service fees, discount charges, minimum fees, renewal fees — invoice finance pricing is notoriously hard to compare. We put every quote side by side in language you can take to your accountant.
Most clients have indicative terms within 48 hours and funds released against their ledger inside a week or two. If your situation will take longer, we'll tell you upfront.
Facilities change, businesses grow, funders get complacent. We review your facility with you each year — and if you've stopped getting a fair deal, we'll move you.
Like most finance brokers, we're paid a commission by the funder when a facility completes — typically a share of their fee income. You pay us nothing directly.
Before you sign anything, we'll tell you that we're being paid, by whom, and on what basis. If you ever want the figure, ask and we'll give it to you straight.
Recommendations are based on fit, cost and service. Our commission continues only while you stay funded and happy — so our incentive is the same as yours.
Move the sliders to your own figures. We'll show roughly how much working capital invoice finance could release now — and an honest indication of what a facility might cost. No details required, nothing saved.
Released against your unpaid invoices — typically within days, not the weeks you wait for customers to pay.
Indicative only. These figures are a rough guide based on the numbers you enter, an average ledger and a typical cost range of 1.5%–3% of turnover. Real pricing depends on your sector, debtor spread and the funder — which is exactly what our plain-English comparison sets out, with every fee counted and our commission disclosed before you sign. We're a broker, not a lender: if the fair answer is "stay put", we'll tell you.
Typically 30 to 90 day terms — businesses that want to stop cash flow dictating their decisions.
Funding weekly payroll against monthly client payments.
Bridging fuel, wages and vehicle costs between jobs.
Taking on bigger orders than the cash cycle comfortably allows.
Navigating applications for payment and CIS.
Cross-border receivables are poorly served — most domestic factors exclude or limit foreign-debtor invoices. If you export to Europe and your EU ledger has been left out of your facility, that's exactly the gap we're built to close.
We're not tied to any lender. We compare the market and recommend on fit, cost and service — never on what a funder pays us.
Fairbank is deliberately not a call centre. You deal with the founder — someone who knows your file and gives you a straight answer, even when it's "this isn't right for you".
Plain-English comparisons, fees counted in full, and the commission we earn disclosed before you commit. No pressure and no surprises in the small print.
Tell us a little about your business and we'll come back — usually within the hour — with whether invoice finance fits, roughly what it would cost, and which funders would want you. No obligation, no hard sell.
A real person reads every enquiry, usually within the hour. We'll be in touch shortly with your funding options.
We couldn't send that just now. Please call 07359 356 907 or email chris@fairbankandco.com — a real person reads every message.