Your cleaners, operatives and officers get paid weekly. Your commercial clients pay monthly on 30 to 60 day terms. Invoice finance funds that payroll gap so you can win the next contract without running out of cash.
The specifics that make or break a facility in this sector.
Cleaning, FM and security invoices are billed monthly in arrears once the service is delivered. Lenders may verify the work was signed off, so clean timesheets, site logs and contract records speed up every drawdown.
A large new site means weeks of payroll before the first invoice is even paid. The facility scales with the new invoices, turning a cash squeeze into funded growth rather than a crisis.
When a contract transfers, staff often move across under TUPE and the wage bill jumps overnight. Funding against the incoming contract invoices absorbs that spike so the transfer does not strain the bank.
A few large sites or a single managing agent can dominate the ledger. A concentration limit may apply, but specialist lenders will stretch it where the contracts are strong and long term.
Move the slider to your typical invoice value to see what would hit your account and what it would cost.
We benchmark your facility across a panel of specialist invoice finance and revolving credit lenders, and match you with the ones whose appetite fits cleaning, fm & security services. You get whole-of-market access from one conversation, at no cost to you.
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Yes. That is the core use. You draw against the monthly service invoices you have raised, so the cash is in the bank for Friday payroll instead of tied up for 30 to 60 days.
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