Invoice Finance is a way to borrow money against your unpaid invoices, you can use this to unlock money earlier. It is similar to a standard business loan, although using outstanding invoices as security. many businesses offer payment terms in 30 day increments (30, 60, 90, 120 days) but even if customers pay on time you still have to wait this time period for the funds to reach you. The typical lender will advance up to 95% of the invoice value with the additional 5% paid later.