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This page is for customers. If you are an invoice finance broker, please visit our intermediary page.

Invoice finance for SMEs

With our Invoice Finance products, we can help with cash flow when you need it. We understand the need to grow your business and can offer fast, flexible and easy funding solutions to fit your needs.

Whether your business is growing fast, you need support on a management buyout (MBO), a management buy-in (MBI), turnaround transactions, a business acquisition or flexible funding solutions to grow, then we can help.

What's on this page?

Invoice finance for SMEs

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Why choose Paragon?

Experienced Team

Experienced Team

Fast and Efficient

Fast and Efficient

Flexible and simple

Flexible and simple

We pride ourselves on providing a fast and flexible service. As a Paragon customer, you’ll have easy access to a dedicated account manager who will support your business through its evolution.

To discover how our Invoice Finance solutions can help your business, get in touch.

Make an enquiry

Alternatively, you can get in touch by emailing or calling us on the details below.

[email protected]

01489 776 250

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Additional information

Privacy : Details on your data protection rights and how your information will be used can be found here

UK Finance logo

Paragon are a proud Invoice Finance and Asset Based Lending member of UK Finance.

UK Finance is a voice for the banking and finance industry. The help to enhance competitiveness, support customers and facilitate innovation.

About Paragon's Invoice Finance

  • Advances of up to 95% of the invoice value
  • Short notice contracts available
  • Provide invoice finance solutions for businesses across a range of sectors, including manufacturing, engineering, recruitment, print, haulage, courier and many more 
  • Flexible and simple fee structure, with no hidden fees
  • Access to fast and efficient legal recovery
  • New start businesses, MBOs/MBIs and turnaround transactions welcomed
  • Support of a dedicated credit controller
Why work with Paragon for invoice financing
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Meet the team

Our Invoice Finance team will work with you to help your business, finding the right Invoice Finance solution for you.

Discover more about their roles and previous experience.

Meet the team

What is invoice financing?

As soon as your business raises an invoice, we’ll advance up to 95% of the invoice value. When your customer pays, we’ll then send you the remaining balance of the invoice minus any fees.

There are two primary invoice finance products, invoice discounting and invoice factoring. The main difference between discounting and factoring is who collects customer payments.

We also offer Customer Protection to make sure you receive a payment even if your customer unexpectedly can’t pay.

What is invoice finance?

Types of Invoice Finance we offer 

We offer a range of flexible funding solutions to meet the needs of your business.
If you're not sure on the type of finance, you should contact us and we can talk you through your options.


Invoice discounting

Confidentially access up to 95% of your invoice value, helping you to improve your company's cashflow.

Learn more

Invoice factoring

Similar to invoice discounting but we'll manage the collection of payments for you.

Learn more


Similar to invoice factoring but you maintain responsibility for collecting payments.

Learn more

Customer protection

Customer protection is a service we offer to our invoice finance clients. Protecting business from losses.

Learn more

Unhappy with your current provider?

Now could be a good time to change

With over 18 years of experience in funding businesses, we know exactly how to get the best for our customers. In fact, our customer satisfaction survey confirms customers are very happy with the swap, rating us 4.7/5*.

*Source: Invoice Finance Customer Experience Survey, Paragon Business Finance, December 2020

Switcher's guide
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Sector insights and opinions

GettyImages-647707924 (1).jpg
Friday, 10/02/2023

It’s national apprenticeship week and the theme this year is ‘skills for life’. We’ve put together a guide for SMEs on taking on an apprentice. 

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Tuesday, 10/01/2023

The Government’s new ‘Energy Bills Discount Scheme’ will launch in April. We examine what the new scheme means for SMEs.

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Friday, 16/12/2022

We sat down with John Phillipou, the MD of Paragon Bank’s SME Lending division, to discuss what 2023 looks like for UK SMEs.

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Find your documents, all in one place

We’ve collected all our useful documents in one place for your convenience.

Need to get in touch?

If you need to get in touch with us about Invoice Finance, you can contact us on:

In the wrong place?

This page is for customers. If you are an intermediary, please visit our invoice finance for intermediaries page.

Paragon Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England number 05390593. Registered office 51 Homer Road, Solihull, West Midlands B91 3QJ. Paragon Bank PLC is registered on the Financial Services Register under the firm reference number 604551