Manage Cash Flow Effectively with

Work In Progress /
Debtor Funding

Tailored Business Loans and Asset Finance

Attractive Rates & Customisable Terms

Funding from £5,000 to £2 Million

All Business Sectors Welcome

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Unlock Cash Flow and Keep Your Projects Moving

At V4B Business Finance, we understand the challenges businesses face when capital is tied up in ongoing projects or unpaid invoices. Work In Progress (WIP) / Debtor Funding is designed to bridge the cash flow gaps created by delayed payments, helping businesses maintain steady operations while waiting for projects to be completed or invoices to be paid. This flexible financing solution provides quick access to working capital, so you can keep your business running smoothly without financial disruptions.

What is Work In Progress / Debtor Funding?

Here are just a few examples of what a WIP / Debtor loan can do for you and your business:

Check Your Options

Fill out our quick form. If you’ve traded for 2+ years with £250,000+ turnover, we can help

Speak To Our Team​

Our team will contact you to understand your needs and tailor a lending solution for your business.

Start Funding Process

Once your application is approved, our team will finalise and send your loan agreement for signing.

Complete Funding

Once we receive the signed agreement, funds can often be paid out within 24 hours.

FAQs

Common questions about WIP / debtor funding

Work In Progress (WIP) / Debtor Funding is a financing solution that allows businesses to access funds based on the value of ongoing projects or outstanding invoices. It helps bridge cash flow gaps, enabling businesses to maintain operations while waiting for project completion or client payments.

The process involves assessing the value of your incomplete projects or unpaid invoices. Once approved, you receive immediate funds, and repayment is made once the invoices are paid or the project reaches certain milestones.

Businesses across various sectors, particularly those with long payment cycles such as construction, manufacturing, and professional services, can benefit from WIP / Debtor Funding. Eligibility depends on the value of your outstanding invoices or work in progress.

Industries such as:

  • Construction
  • Manufacturing
  • Professional services
  • Any business with long payment cycles or large projects that are paid in phases

In most cases, the unpaid invoices or work in progress serve as the collateral for this type of funding. This means you usually don’t need to provide additional assets as security.

Once approved, funds are typically made available within 24-48 hours, allowing you to maintain cash flow and continue operations without delay.

The primary benefits include improved cash flow, flexible financing options, and the ability to cover operational costs without waiting for client payments. This ensures that businesses can continue to invest in growth and complete projects without financial disruption.

Repayment terms vary depending on the agreement, but typically, funds are repaid when your invoices are paid or when the project milestones are achieved.

The amount of funding you can access depends on the value of your unpaid invoices or work in progress. V4B Business Finance will assess the total project value to determine the loan amount.

Yes, small and medium-sized businesses can benefit from this type of funding, especially if they face delays in receiving payments for completed projects or services.

Our Loan Options

What types of business loan options are available to you and your organisation, whether you are looking for a small business loan or a large corporation loan?

Business Loans

Get additional working capital to help grow your business with a tailored business loan.

VAT Funding

Do you want to spread your VAT bills over the year to improve cash flow? We can help.

Acquisition Funding

If you are considering acquiring another business, we can offer financing.

Corporation Tax Loans

Need to fund a corporation tax bill? We offer bespoke funding tailored to your business.

Professional Indemnity Insurance

We can help you finance your insurance to keep your business protected.

Asset Finance

Considering a hire purchase, lease or alternative finance arrangement?

AND MUCH MORE