How Much Cash Have Your Late Payers Got That's Yours?
Tell us how many invoices you send, what they're worth, and how late your customers typically are. We'll show you exactly how much of your money is stuck — and what invoice finance could put back in your account within 24 hours.
By LoanLens · Last updated April 2026
Beyond your agreed payment terms
Rough average is fine
On average
UK average
23 days
Average extra days UK businesses wait beyond agreed terms
Source: Xero Small Business Insights, 2024
Tied up nationally
£23.4bn
Locked in late invoices across UK small businesses at any one time
Source: Xero Small Business Insights, 2024
Invoice finance advance
Up to 90%
Typical proportion released within 24 hours of raising an invoice
Indicative rate — varies by provider and sector
Understand the problem and the solution
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Plain-English guide to factoring and discounting
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