- 01923 882 910
Once your facility is live, send us an invoice and up to 90% of its value is in your account within 24 hours. As an independent invoice finance provider, we chase payment for you and pay the balance when your customer pays.
It takes about a minute and there's no obligation to go ahead.
★★★★★ 5.0 rating on Google
funded to UK SMEs since 2010
UK businesses supported
facilities from £50k up to £1.5m
of each invoice upfront
Choose the one closest to your business and we’ll point you to the right kind of funding.
You get up to 90% of each invoice when you raise it, so long payment terms stop holding up wages and suppliers.
How invoice finance works →We fund weekly and monthly payrolls against your invoices, and we can run the payroll for you too.
Payroll services →Your facility grows as your invoicing grows, so a new contract brings more funding with it. You have no need to reapply.
Invoice finance →Our credit control team chases every invoice. Add Bad Debt Protection and approved invoices are covered if a customer becomes insolvent.
Bad Debt Protection →We fund new businesses, and we can approve your facility before you start trading so it is ready for your first invoice.
Talk to us →We can move your facility across. We talk you through how the switch works and what it costs before you commit.
Talk to us about switching →Three steps take you from raising an invoice to cash in the bank. We advance money against invoices you’ve already raised, and it’s repaid when your customer pays.
Do the work, invoice your customer as normal and send us a copy.
The money goes straight into your account, so wages and suppliers get paid on time.
Your customer pays us, and we send you the remaining balance, minus our fees.
Our facilities are disclosed, so your customers know we’re involved and pay into a Team Factors account.
Credit control is included on all our facilities apart from CHOCCs, where you run your own.
Your quote sets out every fee before you sign anything, so you know exactly what the facility costs.
An illustration based on up to 90% of your unpaid invoices. Your actual funding depends on your customers and approval.
Get my quote →We also fund other businesses that invoice on credit terms. Ask us about yours.
Every facility comes with your own Relationship Manager. Add the services your business needs as it grows.
Up to 90% of each invoice upfront, with credit control and collections handled by our team. Facilities from £50k to £1.5m.
Cover if an approved customer becomes insolvent and can't pay.
Funding against your invoices while you keep your own credit control.
We run your pay runs, payslips and HMRC filings in line with your funding.
Already factoring elsewhere? We can move your facility across.
Team Factors is an independent UK invoice factoring provider, founded in 2010 and based in Hertfordshire. We fund SMEs in health and social care, recruitment, facilities management, transport and other sectors, with facilities from £50k to £1.5m.
Every client has their own Relationship Manager, backed by credit control, risk and client services teams with over 100 years of combined experience. As an independent, we make our own decisions and shape each facility around how your business operates.
Decisions made by our own team
Your Relationship Manager
Funding UK SMEs
★★★★★ Google review
Credit control, risk and client services all sit in one office, so questions about your facility get answered by the team running it.
★★★★★
As a Tech recruitment agency, a good factoring facility is vital for offering both client and contractor a smooth service… making limit increases easy, processing payments when I’ve missed the cut off.
Tech recruitment agency · Google review
★★★★★
We were looking for a partner rather than just a funder and with Lizzie and the team we feel we have that. They are an important part of our business not a supplier.
Client · Google review
★★★★★
Team Factors have been with me since my company started 12 years ago, their financial support helped with my initial set up costs and the ongoing service has allowed me to grow over time.
Client of 12 years · Google review
★★★★★
As the owner manager of a small business, I’m always time poor. Having Team Factors support me operationally with Credit Control, Invoice Generation and Payroll has seen me lower my staff overheads and triple my turnover in 12 months.
Small business owner · Google review
★★★★★
We’ve worked with Team Factors for over two years, and their support has been exceptional. They’ve made it easier for us to secure new clients and grow the business with their smooth invoicing and payment systems.
Client of two years · Google review
★★★★★
Their customer service is responsive and professional, and my dedicated account manager took the time to understand my needs and improve my cash flow.
Client · Google review
The cost depends on your sales, your customers and the services you choose. Every business is priced individually, and your quote sets out every charge before you sign anything.
A percentage of the invoices you send us. It covers running your facility, including credit control and collections.
Charged only on the money you’ve drawn, set as a rate above the Bank of England base rate.
Some facilities include a one-off set-up fee or a minimum monthly charge. If yours does, it’s in your quote.
An optional charge if you add protection against a customer not paying.
Can’t see yours? Call 01923 882910 or ask us directly.
UK businesses that invoice other businesses or public bodies on credit terms. We fund new and established businesses across England and Scotland, and we can approve a facility before you start trading.
Yes. Our facilities are disclosed, so your customers know we’re involved and pay us directly. Our credit control team deals with them professionally on your behalf.
Up to 90% of the value of each approved invoice, within a facility limit of £50k to £1.5m. Your limit depends on your sales and your customers, and it can grow as you invoice more.
Your quote sets out the contract length and notice period before you sign anything.
Yes. We can move your facility across and talk you through how the switch works and what it costs before you commit.
Our credit control team chases it. If you’ve added Bad Debt Protection, approved invoices are covered if the customer becomes insolvent.
Tell us about your invoices and a specialist will come back to you with your options. Or call us on 01923 882910.
It takes about a minute and there's no obligation to go ahead.
100% confidential. We never share your data.
