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Clear Funding - Keeping Your Business Moving

Keeping your business moving

Quick, simple and easy access to funds

Clear Funding unlocks money from your invoices

Available whenever you want it, wherever you are

How it works

Clear Funding helps you unlock money from your outstanding invoices, giving you 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.

step one



Getting set up is easy and free. Just register now and we will then activate your account.

step two

Send us your invoices

Send us your invoices

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

step three

Receive funds quickly

Receive funds quickly

In a few hours the money is transferred to your business bank account.

step four

We collect funds from you

We collect funds from you

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

How much does it cost?

Simple, safe and a low-cost, easy-to-understand fee structure. Try our interactive calculator.

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!

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.

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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.

To be eligible for Clear Funding you must be a UK Limited Company trading for a minimum of one year.

About Us

Clear Funding offers innovative funding solutions to help businesses improve their cash flow. Trust, honesty and transparency are the values we are committed to. We strive to safely support your business by offering excellent customer service, quality and value, and aim to establish secure and meaningful partnerships to become a preferred provider to deal with.


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.

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.

15th February 2017

How to Finance a Growing Business

Scale-ups often struggle to get the funding required need to grow – here are some of the options available.

A scale-up is typically defined as a business that grows by an average of 20pc every year for three years and has a minimum of 10 employees at the start of that three-year period.

But while the UK may be an optimum place to start a small business (600 start-ups launched every day in London during the first six months of 2016, according to figures from Startup Britain) it lags behind the US and other leading economies in terms of the number of companies that successfully scale.

Welcome to the scale-up gap. An oft-cited barrier to growth is a lack of access to finance, so what are the current funding options for UK SMEs looking to scale up?

Grants and regional funding

A plethora of grants and regional funding options exist, but many are for very early-stage development rather than growth. The ScaleUp Institute is one exception, while the British Business Bank is backed by the Government and exists to complement big bank lending. Additionally, the Business Growth Fund invests equity funding to help all kinds of businesses scale.

Should the Government do more to help close the scale-up gap? "There’s lots of support,” says Conrad Ford, chief executive of the online business finance supermarket, Funding Options. “The Enterprise Finance Guarantee (EFG) scheme helps lenders lend to SMEs unable to offer adequate security. Traditionally associated with major banks, EFG is now available through dozens of specialist lenders.

“The new bank referral scheme means that firms rejected by their bank for finance are offered alternatives through designated finance platforms, of which Funding Options is one,” he adds.

More needs to be done to make funding both transparent and accessible, says Ian Watkinson, chief commercial officer of Clear Funding. “SMEs should be able to trust that there are suitable options available to them that can help support their growth ambitions without being punitive,” he says.

“The Government’s bank referral scheme is a positive step forward, helping businesses find an alternative provider that meets their business needs through platforms such as Funding Options, and SMEs can also take advantage of advisory services, such as the Federation of Small Businesses, which can give further support to help them run and grow.”

Equity funding

Equity funding entails giving up a slice of your business in return for investment. Venture capital and angel investment networks are the two main equity funding routes open to small businesses, but require a clear plan for delivering a return to investors within an agreed time frame.

“For micro-businesses looking to scale, an angel investment network – typically high net-worth individuals who are investing their own money – is a good starting point,” says Neeta Patel, founding chief executive of The New Entrepreneurs Foundation, which has helped 200 aspiring entrepreneurs launch more than 70 ventures and raise more than £12m in early-stage funding over the past six years.

“For slightly more advanced businesses looking for £3-5m in scale-up funding, venture capital is the place to go for equity funding.”

Debt funding

A bank loan is an option for companies with solid cash flow that can support the interest payments, but new global capital regulations designed to make banking more stable have made it harder for banks to offer large overdrafts, explains Mr Ford.

“Invoice finance is a popular way for scale-up business-to-business (B2B) firms to unlock vital working capital as it grows with your business,” he says. “Working capital finance options for high-growth business-to-consumer (B2C) firms are less obvious, but a new type of lender is emerging where firms repay a fixed percentage of revenues.”


Many crowdfunding platforms exist, including equity and non-equity options – Seedrs and Crowdcube are two of the most well known.

“Crowdfunding has issues and complications – not least that that you need to appeal to a large number of people online and do a lot of marketing before you even list the business in order to be successful,” says Ms Patel. “It’s not an easy route. We read about the success stories, but they are few and far between.”

Peer-to-peer lending

For scale-up firms seeking long-term loans, traditional high street banks prefer a consistent track record that many high-growth firms simply don't have. “Another challenge is that many high-growth sectors, such as technology and media, lack physical assets such as machinery to offer as security,” says Mr Ford.

“Peer-to-peer lending has played a vital role in filling this gap, but the major banks have also launched specialist divisions to lend to their scale-up clients.”

Keep it in the family

For Ms Patel, the most favourable finance option remains the one closest to home. “If you can raise the money you need via friends and family, that’s the best option at the early scaling stage,” she says. “There’s no pressure from investors asking for their money back or forcing you to exit before you’re ready. But, of course, the downside is that they may never speak to you again if you lose their money.”

Ultimately, there’s no silver bullet for financing a scale-up. “It all depends on your approach to risk, your attitude to giving away part of business, and your company’s ability to finance a debt,” she adds.

“Whatever funding route you take, remember that investors want to see sound business fundamentals first. Is your idea sound and the market good? Is there credibility in your team? Can you prove a path to serious profitability? Unless the answer is yes, none of the funding options will work.”

Source: The Telegraph

14th December 2016

A fifth of SMEs surveyed said cash flow issues have led them to lose contracts.

Millions of dollars worth of unpaid invoices are written off by U.K. SMEs as losses every day, according to the latest analysis from Amicus Commercial Finance.

Researchers released the statistic this week to highlight the growing issue of late B2B payments in the U.K. According to the report, the equivalent of $167 million in debt is written off as a loss every day by SMEs, amounting to more than $62 billion every year. The average amount written off by each small business is about $14,600 a year, which rises to more than $42,000 for each medium-sized business with between 50 and 249 employees, Amicus found. That’s a lot of money that SMEs in the U.K. have declared as losses, likely to never be paid. And it creates significant cash management issues for these businesses, the research found: A fifth of SMEs surveyed said cash flow issues have led them to lose contracts. Invoice finance is becoming a popular way for companies to remedy the issue. While just 8 percent of companies surveyed said they have turned to this tactic to improve cash flow, an additional 19 percent said they plan to use invoice financing in the future — 11 percent of which said they will turn to invoice finance within the next year. “Our research shows that not only is there a reliance by many U.K. SMEs on clients’ invoices being paid within the debtor pay period but that, despite this, significant amounts of debt are being written off due to nonpayment,” summarized Amicus Commercial Finance Managing Director John Wilde in a statement. “Given this, it’s understandable that business owners are increasingly turning to invoice finance as a way of converting unpaid debts into instant working capital.”


11th January 2017

How to avoid the top five small business finance mistakes

Typical finance mistakes often made by owners looking to inject their business with instant cash.

Writing for Business Advice, Ian Watkinson, chief commercial officer at invoice finance provider Clear Funding, outlines some of the typical finance mistakes often made by owners looking to inject their business with instant cash.

A successful business is built on strong working capital. Access to available cash is essential to enable you to invest in the people, premises and stock that you need to run and grow your business.

But most small business owners will, at some point, find themselves lacking in funds. This is, sadly, because they’ve had to wait a long time for payment, with small British firms owed a massive £67.4bn in unpaid invoices.

There are some quick and easy ways to plug these gaps but, with poor payment practices in the UK forcing 50,000 businesses to go under each year, far too many small firms panic into making avoidable finance mistakes.

If you’re in a rush to access money and ease cash flow, below are five typical finance mistakes you should avoid.

1. Giving up control of the customer relationship

A business is built on the strength of its customer relationships. It might be tempting to let a third party take control of these for a quick cash injection, but this is a short-term view and can throw away years of work establishing strong connections.

When accessing short-term funds, you should be in control of everything – including your customer contacts.

2. Paying over the odds on fees

One of the biggest issues with small business financing is the amount of jargon that comes with it. Complicated APRs and terms and conditions can all cover up the true costs.

Make sure you know exactly where you stand with a provider which can give you a straight fee.

3. Wasting too much time on paperwork

In the past, business owners have had to enter endless bureaucracy with the banks in a vain attempt to open or extend a credit facility.

It really doesn’t have to be that time-consuming, so look at some alternative options which won’t take you away from the activities which make a real difference to your business.

4. Paying to repay early

You wouldn’t think that paying back a loan before the end of its term would be an issue, but too many small business owners are hit with early repayment charges.

If you know you will want to settle as soon as possible, make sure you have the option to pay back early at any time, without being charged.

5. Signing up to long-term contracts

When all you want to do is plug a short-term funding gap, the last thing you need is a lengthy contract or commitment.

If unlocking money owed to you in unpaid invoices meets your needs, make sure you can fund one or many invoices whenever you want, without signing up to a long-term agreement.

It’s highly likely that your small business will at some point need quick and easy access to funds to run and grow. By doing some research into alternative finance solutions now, you can avoid complex, time-consuming and confusing funding options later.

February 16, 2017

Dream of starting up your own #SME? Almost half of Brits do. @DailyMirror discusses how to make it a reality

January 19, 2017

Waiting to get paid can be stressful & unpredictable. We help give peace of mind with quick, simple & easy funding

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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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