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Keeping your business moving

Quick, simple and easy access to your funds

Clear Funding unlocks your working capital

Available whenever you want it, wherever you are

How it works

Clear Funding helps business to unlock value from their invoices, giving them quick and easy access to funds. We don’t charge any set-up fees or enter into long term contracts, the service is available on demand whenever you want it wherever you are.

step one

Free Registration

Getting set up is easy. Just register now, and we will contact you to activate your account.

step two

Select your invoices

After registration and approved checks, you simply decide which invoices you want to be funded. You can select one or more at a time.

step three

Receive the funds quickly

In just a few hours the money is transferred to your specified bank account. It couldn’t be quicker.

step four

We collect funds from you

We make it easy by collecting back on the due date. Or you can choose to pay us back early at any time.

How much does it cost?

Simple, safe and a low cost, easy to understand fee structure. Start with our interactive calculator to find out how much you could be immediately funding.

Typically for an invoice of £1,000 you could get £983 and for a £50,000 invoice could be £49,588; no hidden fees, simple and easy!

First 3 months free of charge.

What is your typical invoice size?

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You'll receive £9,500

The charge would be £500

No setup costs, monthly fees, or hidden charges.

Your details


Invoice size


Usual terms


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This is an indicative calculation for illustration purposes only. It is not an offer. Eligibility and pricing is subject to credit checks and financial crime prevention measures. Terms and conditions apply.

At present Clear Funding is available to limited companies registered in the UK.

About us


Clear Funding is a bright new operation with a refreshing, transparent approach. But even though we’re young and fresh, we’re built on solid foundations.

Our team of industry professionals have the necessary experience and understanding to support you, and help your company to unlock working capital and grow your business.

We’re also associated with several highly respected commercial and professional bodies. So when you deal with us, you know you’re working with a reliable team that offers excellent credentials.

Here are the bodies we’re in partnership with:

Latest articles

The world of business and finance moves and changes fast. To keep you updated and to help you make better informed decisions, here’s a selection of relevant news, articles and analyses. We add to this library all the time, so please check it regularly.

5th May 2016

How Invoice Funding can cure insomnia

Clear Funding’s pioneering, straightforward solution for turning invoices into bank deposits is helping SME owners to sleep easier.

Ask any small or medium business entrepreneur what single thing is most likely to give them sleepless nights, and the vast majority will give you the same simple answer: cashflow.

Poll after poll have listed it high among the most stressful aspects of running a business. There can be few if any entrepreneurs who have never endured the frustration of having a thick wedge of invoices but a perilously thin bank balance. It makes day-to-day operations doubly difficult and often means that the entrepreneur spends more time chasing payments than focusing on their core activity.

To make matters worse, a recent report by ABFA (the Asset Based Finance Association) revealed that SME manufacturers wait almost twice as long for customer payments as their larger rivals. Delays of 13 weeks are common, according to the survey, while companies with a turnover of less than £1 million are hit even harder.

There’s a squeeze at the other end too, as banks become increasingly reluctant to support SMEs. The days of the local branch manager who knew the neighbourhood, knew his clients and – most importantly – had discretionary powers over lending - are gone. In the last decade, borrowing from banks has become notoriously difficult.

The Bank of England launched a lending initiative early last year and the British Banking Association claims that it lent more SME money than ever in 2015, approving eight out of 10 applications. But the BBA also concedes that it received less applications in that year, and that SME cash holdings have grown strongly. The conclusion is that today’s entrepreneurs are more likely to hang on to the money they have and, if they do need finance, they’re less likely to ask the bank for it.

It’s no surprise that invoice financing, where you’re able to borrow against your outstanding invoices, is growing exponentially in the UK. In Q4 of 2014, a record breaking £19.4 billion was provided through this facility, and businesses used asset based finance 38% more than they did in 2009.

The reasons for its growth are clear. The progressive new breed of lenders like Clear Funding genuinely understand the challenges that any SME is likely to face, and have tailored their service to answer them.

Applying for finance is simple, fast and all done online. Decisions are equally prompt. Terms are fair, reasonable and refreshingly free of small print, hidden clauses or nasty surprises. And once an account is opened and finance is agreed, it’s in your account within 24 working hours.

18th July 2016

‘Landmark’ small business finance guide published

Some 23 of the UK’s most eminent finance organisations have joined together to issue a landmark new guide focusing on SME finance.

‘The Business Finance Guide – a journey from start-up to growth’ has been produced by, among others, the ICAEW, British Business Bank, FSB and UK Export Finance. It outliens the current situation facing SMEs seeking growth finance as well as laying out the range of options open to them across a range of providers. In terms of beginning the process of raising finance, the report offers 5 key tips for those looking to raise finance, handily grouped under the acronym START: Step out from your business Entrepreneurs want to focus on doing business. For many, finance falls under the category of administration, which may not be their forte. But to make sure the business can move forward entrepreneurs must step out from the business and ask the questions that need answering. Take a fresh look at prospects and challenges Plans may have been made when the business was little more than an idea. Things change and circumstances move on. You need to make a fresh assessment of where the business is, what the opportunities are, how achievable they are and what new challenges there are to the business. Analyse your opportunities You need to make a detailed analysis of the prospects for the business in light of any changed circumstances. A review of the new upsides and the new downsides needs to be carried out and the impact of them assessed, together with the probability of different scenarios. Reach for the future On the basis of the above analysis, prepare a detailed forecast, looking at the forecast profit and loss (P+L) account and balance sheet and then, crucially, at the cash flow, which will highlight how much capital needs to be put into the business to finance your latest plans. Think about finance You then need to think about the financing options for the business, how appropriate and how attainable they may be. To secure debt financing and/or investment, you need to make your business proposition clear and understandable to your target audience – with a business plan. At this stage a business is likely to require outside advice and experienced resource to ensure that it is ‘investment ready’ for potential investors, giving it the best possible chance to secure funding. Be open-minded. The funding landscape has developed considerably over recent years and there are a lot of options available – some are new and some have been around for some time. Commenting on the release of the report, ICAEW president Michael Izza said, “Businesses need certainty and that also applies to when they are raising finance. We want businesses to come out of the dark and have their most powerful tool to grow – information and advice. “With businesses expected to grow investment by 2.3% in the next 12 months, getting the right advice is crucial especially as the landscape and sources of finances has changed so significantly. The guide, which has already reached over 750,000 entrepreneurs, enables businesses and their advisers to find out more about the options available to them to meet their specific needs.”

9th May 2016

How would Brexit affect finance for SMEs (From The Guardian)

Finance is a key issue for small business in the UK. The Guardian's expert panel looks at how it might be affected by the EU referendum

In this new series, an expert panel is answering questions sent in by readers about how the EU referendum could affect their business. This week our panellists take on a question from Peter Shawyer, commercial director at an electronic manufacturing SME Texcel Technology:

One issue that has previously constrained our business is finance. After leaving the EU would financing – from banks, investors or funds – be more restricted or more open?

If you have a question about the impact of the EU referendum, you can submit it here. We will select a question each week for the panel.

Daniel Gros Facebook Twitter Pinterest Daniel Gros Photograph: Gleamlight Daniel Gros Director of the Centre for European Policy Studies. He serves as adviser to the European Parliament and is a member of the advisory scientific committee of the European Systemic Risk Board (ESRB) and the Euro 50 Group of eminent economists

Finance to SMEs – and households – is usually provided by local retail banks. Funds, be it pension funds or hedge funds, do not engage in this type of business because they do not have the necessary local knowledge and the individual loans are too small for them. In this sense there is no reason why leaving the EU would have a material impact on the availability of finance for SMEs.

The EU has some special programmes for SME financing, which would of course no longer be available if the UK leaves the EU. But these programmes, operated via the European Investment Bank (EIB), have not had a large impact on SME lending and the UK government could use the increased financial leeway it would have by cashing in on its EIB capital to institute similar schemes.

Part of the UK’s retail banking system is owned by EU banks. This investment would of course have a different legal status after Brexit, but presumably the change in legal status would not have a direct impact on retail operations, such as lending to SMEs.

However, leaving the EU might have a longer term impact on the availability of financing stemming from the large external, current account deficit the UK has been running for quite some time now. Being a member of the EU makes the UK more creditworthy as can be seen from a recent report by a major credit ratings agency. UK borrowers might therefore have to pay a somewhat higher price for credit and the availability of external financing for the entire UK economy might be reduced, which would translate in a reduced availability of credit for SMEs as well. Most observers agree that the problem is manageable, but a slight negative impact might be unavoidable in the long run.

Sebastian Dullien Facebook Twitter Pinterest Sebastian Dullien Photograph: Jakob Lessin Sebastian Dullien Senior policy fellow at the European Council on Foreign Relations and professor of international economics at HTW Berlin, University of Applied Sciences. His research focuses on European integration, international macroeconomics, and financial market regulation

In the short term, a British decision to leave the European Union would create huge uncertainties in financial markets which would translate into more restrictive financing conditions and less availability of funds for small and medium sized enterprises. With a national current account deficit of almost 5% of GDP, Britain depends on foreign investors. Brexit would create huge uncertainties about the future relationship with the EU, so it is very likely that these investors will demand a risk premium, which would be passed on as higher interest rates to SMEs.

In the long term, the outcome depends on which future relationship Britain negotiates with the EU. The most likely result is that the British financial and banking markets become less integrated with that of the EU.

One proclaimed aim of leaving the EU is to re-gain national sovereignty. Setting national rules for the banking industry is incompatible with a single market for financial services. Thus, a British EU exit would make it more difficult for continental banks and investment funds to provide finance to British small and medium sized companies as they would have to follow different rules and regulations and use additional licensing requirements. The result would be less competition and less availability of funds for British SMEs.

However, there might be counteracting domestic forces. In principle, it is possible that the British government would reduce banking regulations which might lead to lower funding costs. After the financial crisis of 2008/9 and the huge fiscal costs related to bank rescues, Britain’s Independent Commission on Banking headed by John Vickers actually proposed stricter rules than were later passed in the EU. It is not clear why the UK government should change course in this area after a Brexit. British retail banking has in the past been repeatedly criticised for extracting excessive fees and interest rates also from small business. If competition in banking dwindles with an exit from the EU, banks might just as well continue to overcharge SMEs even if regulatory rules are relaxed.

Swati Dhingra Facebook Twitter Pinterest Swati Dhingra Photograph: Federico Protano Swati Dhingra Assistant professor at the department of economics at the London School of Economics and co-author of Life after Brexit: what are the UK’s options outside the European Union?

One of the four basic freedoms of the EU is free movement of capital, which enables firms to invest in other European companies and to raise money in EU member countries. But the option of raising capital abroad is typically beyond the capacity of most SMEs, who instead rely on banks and government bodies for external finance.

Survey data suggests that European banks have had a limited impact on the terms of bank lending to SMEs, which also have limited ability to tender proposals for funding from the European Commission. So the direct channels for SME financing from the EU are less important, and the question is whether Brexit will impact other avenues for access to finance.

The vast majority of SMEs in the UK export to the EU, and this trend is unlikely to change because selling to distant markets is even more challenging for SMEs. Even if Brexit immediately gives way to a Norway-style trade deal, small business owners will face greater costs when trading with the EU. Currently, SMEs benefit from EU directives, such as the late payment directive, which are important for day-to-day financing. These factors would reduce profitability and make borrowing more difficult for small businesses.

A bigger issue is that economic uncertainty is likely to increase in the run-up to the referendum and in the event of a Brexit. We already saw this with the sterling volatility following Boris Johnson’s announcement supporting Brexit. Greater uncertainty in economic conditions typically hits SMEs harder, as they are perceived to be higher risk. This is what happened during the financial crisis, when banks shifted their lending away from SMEs and towards larger businesses.

While UK SMEs are less reliant on EU funding right now, this could change as the EU scales up its financing programmes. The European Investment Bank plans to lend ₤100m to SMEs in the UK. If this funding dries up after Brexit, domestic sources such as the British Business Bank would need to find the funds to make up for these shortfalls.

Sjoerd Douma Facebook Twitter Pinterest Sjoerd Douma Photograph: Leiden University Sjoerd Douma Professor of international and EU tax law at Leiden university

Free movement of capital is a cornerstone of the EU’s internal market. Article 63 of the treaty on the functioning of the European Union (TFEU) states that “all restrictions on the movement of capital between member states and between member states and third countries shall be prohibited”. While the text of this provision seems clear, in practice Europe’s capital markets are still fragmented along national lines.

This is exactly why EU Commissioner Jonathan Hill has launched the initiative for a Capital Markets Union (CMU). According to this action plan, the European Commission will remove the barriers which stand between investors’ money and investment opportunities and overcome the obstacles which prevent businesses from reaching investors. If the UK is no longera part of the EU, these measures will not apply to capital movements between the EU and the UK, subject to article 63 TFEU. This will relatively weaken the position of UK businesses to obtain financing from within the EU as compared to EU businesses.

The European Investment Bank (EIB) estimates that by March 2016, the European Fund for Strategic Investments (EFSI) triggered around €76bn (£61bn) of investment in Europe. If the UK left the EU, access to this fund for financing purposes would be difficult if not impossible.

Sign up to become a member of the Guardian Small Business Network here for more advice, insight and best practice direct to your inbox.

August 1, 2016

Good Morning! It's Monday, a great day to think about your cashflow. #mondaymotivation We can help your business.

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Clear Funding is a trading name of Clear Funding Ltd (registration number 09474073) and Clear Funding Financial Services Ltd (registration number 09998904), which are incorporated in England & Wales with their registered offices at Level 2, 91 Wimpole Street, Marylebone, London, England W1G 0EF

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