Work In Progress (WIP) Finance /
Debtor Funding
Manage Cash Flow Effectively with
Tailored Business Loans & Asset Finance
Attractive Rates & Customisable Terms
Funding from £5,000 to £2 Million
All Business Sectors Welcome
Years Experience
Happy Customers
Borrowed
Team Members
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:
- Free up capital locked in unpaid invoices or ongoing projects, ensuring you have the funds to meet operational costs.
- Receive funding quickly, often within 24 hours of approval, giving you the liquidity needed to keep projects on track.
- Tailored to your business needs, with terms that align with your project timelines or invoice schedules.
- Funding is secured against the value of your work in progress or debtor book, eliminating the need for additional assets.
- Keep your operations moving and invest in new opportunities, even while waiting for payments.
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.
Common questions about WIP / debtor funding
What is Work In Progress / 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.
How does WIP / Debtor Funding work?
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.
Who is eligible for WIP / Debtor Funding?
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.
What industries can benefit from WIP / Debtor Funding?
Industries such as:
- Construction
- Manufacturing
- Professional services
- Any business with long payment cycles or large projects that are paid in phases
Do I need to provide collateral for WIP / Debtor Funding?
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.
How quickly can I access funds through WIP / Debtor Funding?
Once approved, funds are typically made available within 24-48 hours, allowing you to maintain cash flow and continue operations without delay.
What are the benefits of WIP / Debtor Funding?
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.
What are the repayment terms for WIP / Debtor Funding?
Repayment terms vary depending on the agreement, but typically, funds are repaid when your invoices are paid or when the project milestones are achieved.
How much funding can I access through WIP / Debtor Funding?
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.
Is Work In Progress / Debtor Funding suitable for small businesses?
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 Business 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.
