About

LoanLens is an independent information website for UK business owners who want to understand invoice finance — what it is, what it costs, and whether it could solve their cash flow problems.

Why we built this

LoanLens was started by Daniel, who saw firsthand how cash flow problems affect UK businesses. Working in the construction industry, he repeatedly saw contractors struggling to pay wages and suppliers while waiting 60, 90, or even 120 days for customers to settle invoices.

Many business owners don't know invoice finance exists — or assume it's complicated, expensive, or only for large companies. LoanLens exists to explain how it works, what it actually costs, and help businesses work out whether it makes sense for them.

What we do

We provide free calculators that estimate invoice finance costs based on your sector, turnover, and payment terms. We also publish plain-English guides explaining how invoice factoring and discounting work, what you can expect to pay, and sector-specific advice for construction, recruitment, haulage, and other industries.

Our rate data comes from UK Finance industry reports, the British Business Bank, and monitoring of published provider rates. We also cover UK late payment legislation and statutory interest calculations.

What we're not

We are not an invoice finance provider, broker, or financial services firm. We don't arrange facilities, make recommendations about specific providers, or earn money from provider referrals (except through clearly disclosed affiliate links to third-party brokers).

Invoice finance is not regulated by the FCA, and neither are we. Nothing on this website is financial advice. Calculator results are estimates based on indicative market rates — they are not quotes. Always seek independent professional advice before making financial decisions.

How we make money

LoanLens is free to use. When you submit your details through our site, we connect you with FCA-authorised invoice finance brokers. We may earn a referral fee if you proceed with their services. This arrangement allows us to provide free calculators and guides while helping businesses find competitive quotes.

Our commercial relationships do not influence our calculator formulas, cost estimates, or editorial content. We work with brokers based on their reputation, service quality, and relevance to our readers — not commission rates.

Get in touch

Questions, corrections, or feedback: hello@loanlens.co.uk