Affiliate Programme — Earn 20% Commission

Affiliate programme · earn 20%

Refer the cash-flow conversation — earn 20%.

For accountants, brokers, advisers, solicitors, estate agents and professional networks. Your clients already mention it — the overdraft that won't stretch, the contract that eats cash, the tight payroll week. That's invoice finance. Spot it in 30 seconds, introduce in one email, and earn 20% on every completed referral.

Refer a client → How it works

20%

Commission per completed referral

Keep the client

They deal with a named director

~48 hrs

Quick, honest fit check

£10k–£1m

Facilities · FCA reg. 782472

The proposition

You bring the relationship. We do the heavy lifting.

Cashbook Finance turns your clients' unpaid invoices into same-week cash — up to 90% within 24–48 hours, with no monthly repayments. Your client gets funded; you stay informed throughout and get paid on completion. It solves the most common problem on your clients' minds — cash timing — without new term debt, and it strengthens your relationship: you arrive with an answer at exactly the moment the overdraft conversation starts.

Spot the opportunity

Do you have clients who…

Wait 30–90 days to be paid by other businesses

Have just won a big contract they need to fund

Find payroll tight, even with a full order book

Were turned down by the bank — "not enough security"

Are growing faster than their cash can keep up

Have turned down work because the cash wasn't there

Two or more? That's a conversation worth introducing.

The ideal client, in five checks

Sells B2B on credit terms — 14 to 120 days
Invoices after delivery or completion
Creditworthy customers — a spread, not one dominant payer
Clean paperwork — order → delivery → invoice
Growing, seasonal, or cash-tight despite profit

Typically £50k+ turnover and 6+ months trading. Best-fit sectors: recruitment, healthcare, haulage & logistics, wholesale & distribution, manufacturing, exporters, printing & packaging and professional services. Construction is fundable but specialist — refer for review, never rule out.

One screening question does most of the work: "Do you invoice other businesses — and then wait to be paid?"

Value on both sides

Good for your client. Good for you.

What your client gains

Cash in 24–48 hoursUp to 90% of each invoice, upfront.

Funding that scales with salesMore invoicing, more headroom — no re-application.

No monthly repaymentsCustomers' payments settle the advances.

Often viable with no property to pledgeBuilt on the debtor book, not bricks and mortar.

Optional credit control & bad-debt protectionTake the admin and the risk off their plate.

What you gain

20% commission on every completed referralClear payment terms, paid on completion.

You keep the relationshipYour client deals with a named director, not a call centre.

You arrive with the answerExactly when the overdraft talk starts.

Almost no workA few lines is enough — we assess fit.

Marketing supportAn introducer pack plus a client-ready handout.

How to refer

Three simple steps.

Spot it

Hear one of the trigger phrases in a conversation you're already having? Think Cashbook. Listen for "can we extend the overdraft?", "we've just won a big contract", "payroll week is always tight", "the bank said no — not enough security", or "we're juggling the VAT and the suppliers".

Introduce

Email or call a director with a few lines: client, sector, rough turnover, who they invoice, payment terms and what prompted it. No obligation for you or the client.

A few lines is enough

We take it from there

A quick, honest view on fit, then due diligence, contract exchange and funding within 48 hours of approval. You're kept in the loop throughout and paid on completion.

Use it word for word

The 30-second explanation

"You know how you wait 30, 60, sometimes 90 days for customers to pay? Invoice finance releases that money early. When you raise an invoice, a funder advances you most of its value — usually within a day or two. When your customer pays, you receive the rest, minus a fee. It isn't a loan you repay out of future cash flow — your customers' payments settle it. And because it's based on your invoicing, the funding grows automatically as your sales grow."

The one-liner: "It turns unpaid invoices into this-week cash — and it grows as you grow."

Seven questions that open the conversation

Do customers pay you on credit terms?
How long do you usually wait to get paid? — best opener
Are unpaid invoices limiting growth?
Do you need cash for suppliers, wages or new work?
Are you relying on overdrafts or short-term borrowing?
Are sales growing faster than your available cash?
Have you ever turned down work because of cash flow? — best opener

Two or more "yes" answers — that's a conversation worth having.

The numbers

A £50,000 invoice, illustrated.

A £50,000 invoice on 30-day terms

Day 0 — raised

£50,000

Client invoices as normal and uploads it.

Day 1–2 — advanced (up to 90%)

£45,000

In the client's account in 24–48 hrs.

Day 30 — balance

£4,000

Released on payment, less a ~2% fee.

The framing that lands with clients: the cash arrives roughly four weeks early — the fee is the price of those weeks.

Illustrative only; actual advance rates and pricing vary by business, sector, customers and facility type.

Affiliate FAQs

Answers to the common questions.

Quite the opposite — it's growth finance. Funders want healthy ledgers, and fast-growing firms are the heaviest users, because growth is exactly when the cash gap bites hardest.

It's structurally different: no lump sum and no monthly repayments. The client's sales create the funding; their customers' payments settle it. On cost, it's typically dearer than secured bank debt — the honest comparison is like-for-like, including the value of any credit control.

Invoice discounting is usually confidential — customers see no change. Disclosed factoring is also routine: large customers process Notices of Assignment every day.

Facilities run from single-invoice level upwards — typically suiting businesses with £50k+ annual turnover and 6+ months trading. Selective funding is a low-commitment way to start.

Standard facilities are "with recourse" — if an invoice is still unpaid after an agreed period (commonly ~90–120 days past due), the advance on that invoice reverses. Optional bad-debt protection adds cover if a customer becomes insolvent.

Fundable, but specialist — applications for payment, retentions and contract terms need the right product. Refer for specialist review rather than ruling it out.

You earn 20% on every completed referral, paid on completion with clear, agreed terms. You're kept informed throughout, so there are no surprises about where a case has got to.

No. You simply make the introduction — we handle the assessment, documentation and funding. Do check any requirements of your own professional body, network or regulator, including any duty to disclose introducer commission to your client.

Just a few lines: the client's name, sector, rough turnover, who they invoice, their typical payment terms, and what prompted the conversation. We'll come back quickly with an honest view on fit.

Our focus is invoice finance, but if a client also needs short-term bridging secured on property, we're happy to review that too — so you can bring us the cash-flow conversation in whatever form it arises.

Make your first referral

Bring us one client conversation — that's the whole ask.

20% commission on every completed referral, paid on completion, with clear terms. Introduce a client by contacting either director directly — we'll come back with a quick, honest view on fit.

Refer a client now → Call 020 3239 0699

Endrit Beqaj

Director & CEO

endrit@cashbookfinance.co.uk

Bjorn Laku

Director & CMO

bjorn@cashbookfinance.co.uk

Before introducing commercial finance, confirm the requirements of your professional body, network or regulator, including any duty to disclose introducer commission to the client. Invoice finance is not suitable for every business; suitability depends on the business model, invoice quality, debtor profile, contract terms, cost and funding requirement. All figures are illustrative; actual advance rates and pricing vary.