Invoice Finance and Adverse Credit: What You Need to Know

A VPN is an essential component of IT security, whether you’re just starting a business or are already up and running. Most business interactions and transactions happen online and VPN
Serious pensive thoughtful focused young casual business accountant bookkeeper in office looking at and working with laptop and income tax return papers and documents

Table of Contents

Running a business often involves navigating financial challenges, and invoice finance can be a lifeline for maintaining cash flow. But what if your business carries the weight of an adverse credit history? Is invoice finance still a viable option? 

In this article, we’ll explore the landscape of invoice finance for businesses with less-than-perfect credit and shed light on how it can be a pathway to financial stability.

Understanding Adverse Credit

Adverse credit history is a term that encompasses situations where a business has struggled with on-time debt payments, loan defaults, or faced County Court Judgments (CCJs). These events can complicate access to traditional funding avenues like loans or lines of credit.

Invoice Finance Providers' Perspective

While some invoice finance providers may indeed conduct credit checks, they also consider a range of other factors when evaluating your eligibility. These factors include the age and industry of your business, as well as your invoice history. The goal is to assess the overall risk associated with your business.

Specialised Solutions for Adverse Credit

Don’t lose hope if your business has a less-than-stellar credit history. There are specialised invoice finance providers who understand the unique challenges you face. These providers offer tailored solutions designed to meet the specific needs of businesses with adverse credit.

Understanding Costs

It’s essential to be aware that having adverse credit may result in slightly higher fees and interest rates compared to businesses with strong credit histories. This adjustment is made because you’re seen as a higher risk. However, it’s crucial to note that even with these adjustments, invoice finance can often be a more cost-effective solution than alternatives like merchant cash advances or payday loans.


In summary, if you’re grappling with adverse credit, invoice finance remains a viable option to enhance your business’s cash flow. To maximise your chances of approval and favourable terms, thorough research and selection of a suitable provider are essential. 

At Apollo, we recognise that every business is unique, and financial needs vary. That’s why we offer flexible invoice finance solutions that can be tailored to your specific requirements. Reach out to us today, and let’s explore how we can help you achieve improved cash flow, regardless of your credit history. Your financial success is our priority.

Apply for Invoice Finance

Fill out the form with all of your information and a member of the Apollo Finance team will respond within 24 hours.

We never say NO and can provide business finance whatever your circumstances.

We will never share your information with third-party organisations, and you can opt out of our database at any time.

You might also like:

Senior woman with healthcare provider
Deals & Case Studies

Supporting a Healthcare Provider with £50,000 Facility

Many businesses in the healthcare sector encounter significant cash flow challenges due to delayed client payments. Our new client, despite their dedication to supporting children and adults, struggled with such issues. Read how we supported their business!

Close up of an invoice application form
Invoice Finance Basics

What is the Application Process for Invoice Finance?

Every lenders application process looks a little different. Depending on risk appetite and other factors. In this blog, we take a step-by-step look at Apollo’s application process.

Credit Controller

Back to Roles Credit Controller Job Purpose: Credit controllers are a key function in the factoring process. The role purpose is to ensure the debt

Client Manager

Back to Roles Client Manager Job Purpose: The Client Manager has ownership of a portfolio of clients, where you will be making decisions, through monitoring

About Us

Apollo Business Finance is one of the UK’s fastest-growing independent invoice finance lender. We provide businesses of all shapes and sizes with the cash flow support they need to grow, regardless of credit history or past hurdles.

Recent Posts

fancy a quick chat?

Fill out the form below and we’ll be in touch within 24 hours!