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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!

First 3 months completely free of charge, once you have activated your account.

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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Invoice size


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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 two years.

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.

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.

9th January 2017

Taking on the late payment culprits: Will 2017 finally be our year?

Ian Watkinson looks at whether 2017 could be the year we finally take a tougher stance on late payment culprits.

Small businesses have long been hailed as the backbone of the UK economy – and rightly so. At the start of 2016 the combined annual turnover of SMEs was £1.8 trillion, so it’s no surprise Philip Hammond threw his weight behind them in this year’s Autumn Statement.

Yet, as the Federation of Small Businesses has called out time and again, SMEs are hampered by a culture of late payments and extended payment terms. Paying suppliers slowly, while asking customers to pay you quickly, has been a common theme in business culture, and it won’t change overnight.

There is always outcry when it’s revealed that large businesses are subjecting suppliers to terrible payment terms, as we’ve seen from many headlines in the papers. But we shouldn’t have to wait for public naming and shaming for people to realise that late payments is a serious problem that needs solving.

It’s not just unfair or mildly inconvenient; striking small business’ cash flow can ultimately stop them from running and growing. It’s a huge issue, with PwC recently revealing there is as much as £950 billon of cash owed to SMEs, locked up in unpaid invoices and unsold inventory. The crazy thing is this is not only undermining SMEs but also our own economy – poor payment culture kills 50,000 small firms and costs the UK economy £2.5 billion each year.

Time for change

The good news is things are looking up, and 2017 could be the year we finally take a tougher stance on late payment culprits.

The Department for Business has said that ‘sometime in 2017’, there will be an appointment of a late payments Tsar to champion SMEs in the ongoing battle against large, late paying companies. And the evolution of the Prompt Payment Code (PPC) will come into force this April, 2017, forcing large companies to publish their payment terms bi-annually and pay suppliers within 60 days.

While some may say the PPC won’t go far enough, it’s certainly a start. No longer a leaked dossier, companies’ payment terms will be in the public eye and subject to scrutiny. And having more transparency will undoubtedly go some way to curbing the late payment culture.

We can’t be too optimistic though as, unfortunately, there will always be those large corporations that know how much suppliers want their business and will use this to their advantage.

Taking control

Despite these new initiatives designed to help SMEs get paid promptly, the bottom line is that they shouldn’t count on these alone. Instead, they should explore ways in which they can take advantage of opportunities to access advance funding, should they be subjected to delays.

This doesn’t necessarily mean taking out a bank loan or extending credit card limits, which can come with unnecessary hassle and paperwork plus high interest rates. Alternative funding methods can give them access to funds quickly, easily and cheaply when cashflow is limited. This will not only improve their financial health in the short-term, but give them peace of mind when they need it and help them continue to run and grow their business.

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.

January 16, 2017

#SMEs reluctant to take out bank loans in 2017 says @bankofengland @Reuters But there are alternatives, like us

January 19, 2017

Southwark, London Bridge & Waterloo said to be London's top #SME hubs. Read more on @BizMattersmag

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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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