Apollo pays your invoices the same day you raise them, even if the bank said no, or you've got CCJs or poor credit history.
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Stop waiting for payments and start growing your business today. Whether you need urgent funding or just want to understand your options, our team is ready to help.
Funded to UK SMEs this year
From enquiry to approval
Approval rate
Flexible facilities
The cashflow squeeze
Staff wages, supplier payments, and business expenses don’t wait for your customers to pay you. Waiting 30, 60, or even 90 days for payment has become the norm, but it’s the difference between merely surviving and truly growing.
Apollo Business Finance believes your business shouldn’t suffer because of other companies’ payment terms. You’ve completed the work and issued the invoice, you deserve to get paid now, not months from now.
Our invoice finance solutions means you’ll receive up to 90% of an invoices value the same day you raise it, completely removing the 30+ day wait.
The basics
Invoice finance is a quick way to get cash from your invoices straight away, rather than waiting weeks for your customer to pay.
When you raise an invoice, we transfer you up to 90% of it’s value within 24 hours. When your customer pays, you get the remaining % minus a small fee.
You’re simply getting the money your customers already owe you, which keeps your cash flow steady while you get on with running the business.
who we help
Whatever’s behind your enquiry, there’s a good chance we’ve funded a business just like yours.
Just getting started? We can help.
We specialise in construction.
We'll happily fund regardless!
Behind with HMRC? We're still able to help!
We'll fund one debtor where others won't.
Simple By Design
Choose which customers invoices you want paid early. Upload them to our easy-to-use portal.
You’ll have cash available immediately to pay staff, cover suppliers and grow.
When your customer settles, we transfer the remaining balance to you, minus our agreed fee.
Why Apollo
When traditional lenders see CCJs, poor credit history, or director issues as red flags, we see businesses that deserve a chance.
Our mission to support those who are building, and rebuilding.
No business is perfect. Where others see barriers, we find solutions that work for your situation.
Your business can't wait weeks for funding. We give you quick decisions and fast payments.
Simple costs explained up front, with full clarity before you sign anything.
From £20,000 to £250,000. Whether you need a small injection or ongoing support, we scale to fit.
CCJs, poor credit scores, and even past director issues won't stop us from supporting you.
You'll always deal with people who understand your business, never an AI.
Eligibility Checker
Answer three quick questions to see if Apollo can help.
Industries We Serve
When traditional lenders see CCJs, poor credit history, or director issues as red flags, we see businesses that deserve a chance.
Our mission to support those who are building, and rebuilding.
Construction is where we do our best work. We understand retentions, applications for payment, staged invoicing and CIS, so we can fund contractors and subcontractors that high-street lenders find too complicated. Get up to 90% of your invoice value within 24 hours and keep every project moving.
Recruitment agencies often face long payment terms while needing to pay staff promptly. We provide the cashflow you need to bridge the gap, keeping your agency running smoothly.
Long lead times and high material costs can strain an engineering business's cashflow. Our invoice finance lets you focus on fulfilling orders while we take care of your unpaid invoices.
As a wholesaler, cashflow can be tight due to delayed payments from retailers. Our services help you get paid faster, improving your cashflow and letting you reinvest in inventory.
With rising fuel costs and ongoing expenses, courier and transport businesses need reliable cashflow. We help you get up to 90% of your invoice value within 24 hours, so you can keep your fleet on the road.
Cleaning companies often wait 30 to 60 days for payment, putting pressure on their finances. We offer flexible funding so you can cover payroll and other costs while you wait for payments to come through.
Long payment cycles and high upfront costs can hinder growth in the printing and publishing sector. We bridge the gap, giving you faster access to the cash you've already earned.
Care providers often face delayed payments from councils and agencies. We offer tailored funding that helps care homes manage payroll, operating costs, and grow with confidence.
Building contractors and facilities managers often wait on late payments for large invoices. We provide quick access to funds, so you can take on new projects with confidence.
Fast-growing technology businesses need immediate cashflow to meet demand. Our services ensure you can scale up and invest in growth without waiting on unpaid invoices.
These are some of the industries we know best, and we fund businesses across many more. If you invoice other businesses and wait too long to get paid, there's a good chance we can help yours too.
Real businesses we’ve supported
A maintenance and drainage specialist growing fast but held back by extended payment terms. A £50,000 selective facility gave them the breathing room to keep up with demand.
A Bristol eco-heating installer with 20 years’ experience hit a wall when their lender exited construction finance. High street banks turned them down. But their cash flow challenge – paying suppliers and subcontractors upfront while waiting months for payment – is textbook construction. See how a referral from another installer led them to Apollo, and how we structured funding that actually works for their sector.
When an electrical and data contractor in the North East needed a clean start after a previous company entered liquidation, Apollo stepped in to help. Some lenders were hesitant to support the new venture, but we took the time to understand the full story. The result was a £150,000 facility that restored stability, supported wages and suppliers, and helped the director move forward with confidence.
What Clients Say
“Working with Apollo has literally saved my business. They’re friendly, straight-talking, and nothing’s too much trouble. I can’t imagine running things without them.”
Verified Google review
“We’d been looking for the right finance partner for weeks. Apollo made the process simple. Quick setup, clear answers, and support that’s helping us grow long-term.”
Verified Google review
“Apollo have been brilliant from the start. Easy to set up, quick to solve problems, and far better service than the big finance companies we’ve used before.”
Verified Google review
No surprises
Invoice finance pricing can feel confusing. With Apollo there are two straightforward costs.
One all-in charge that covers everything, rolled into a single rate. It’s the easiest way to see what your funding costs, with just one figure to keep track of. Most clients choose this for the simplicity.
The same cost shown as its two parts, so you can see exactly where your money goes. The service fee covers running your facility and managing your account. The discount charge works like interest, applied only to the funds you draw and for as long as you use them.
what happens next
Fill in the form or call us. It takes a couple of minutes.
A real decision-maker calls to understand your business.
We review in-house and come back with a tailored offer fast.
Once set up, cash can be in your account within 24 hours.
Good to know
Yes. Your customers are aware of the facility and pay us directly, which is completely standard practice. We manage every interaction professionally and courteously on your behalf, so your relationships stay strong, and many of your customers will already be familiar with invoice finance.
There are two costs: a service fee covering the running of the facility, and a discount charge applied to the funds you draw. We set both out clearly in your quote before you sign anything, so there are no surprises later.
Yes. Apollo was built to support businesses that other lenders overlook. CCJs, a previous IVA, past liquidations and even director disqualifications won’t automatically stop us. Our directors review each case on its own merits.
It’s more straightforward than most people expect. We manage the transfer, liaise with your current provider and aim to move you across with minimal disruption to your cashflow.
You can add Bad Debt Protection to your facility, which safeguards your business if a covered customer fails to pay due to insolvency. We’ll explain how it works and whether it’s right for you.
We pay generous commission and treat your clients the way you would. Fast decisions, transparent terms and a direct lender who says yes when others say no.
Whether you need urgent funding or just want to understand your options, our team is ready to help.
Get your free quote today!
Stop waiting for payments and start growing your business today. Whether you need urgent funding or just want to understand your options, our team is ready to help.