Billflow is a modern fintech solution designed to provide fast, flexible, and transparent funding to UK SMEs. Unlike traditional lenders that rely on complex security arrangements or charge registrations with Companies House, Billflow offers a smarter alternative by purchasing invoices and supplier payments directly - removing the barriers and rigidity of conventional debt facilities.

Through our intuitive client portal and agile funding model, businesses can access working capital without the long delays, paperwork-heavy onboarding, and restrictive conditions that are often associated with banks and legacy finance providers. This approach allows us to support SMEs with tailored funding that adapts to their needs, helping them meet immediate obligations and fuel long-term growth.Our focus is on delivering a technology-led experience that gives business owners more control, transparency, and speed when it matters most.

By combining financial expertise with automation and digital-first processes, Billflow enables SMEs to unlock capital quickly and efficiently - without compromising on flexibility or service quality.

Billflow is built to serve the needs of UK-based SMEs, typically with annual turnovers ranging from £600k to £20m, operating across diverse B2B industries where invoice flow and supplier obligations are a constant part of doing business. Our services are particularly valuable for companies that require regular access to working capital to manage growth, cover operational expenses, or bridge gaps in customer payments.

We are both sector-agnostic and geography-agnostic, which means our funding model is adaptable to businesses across the UK regardless of location or industry. To date, we have provided over £800m in funding to businesses spanning recruitment, engineering, manufacturing, construction, aerospace, automotive, and many other industries.

Whether it’s a recruitment firm looking to bridge payroll obligations, a manufacturer needing upfront supplier payments, or a construction company funding large project cycles, Billflow offers reliable, flexible support tailored to their specific challenges. Our market reach continues to expand as we help SMEs unlock liquidity and achieve sustainable growth in today’s fast-moving business environment.

At Billflow, our mission is to empower UK SMEs with fast and flexible debt finance solutions that go beyond traditional lending. We believe access to funding should be straightforward, transparent, and adaptable - so businesses can spend less time worrying about cash flow and more time investing in growth, innovation, and opportunity.

By removing unnecessary complexity and offering a frictionless client experience, we are committed to unlocking both working capital and growth capital for SMEs across the UK. Our mission is rooted in one simple principle: enabling businesses to achieve their full potential by giving them the financial freedom to thrive.

‍We aspire to become the leading fintech funding partner for UK SMEs, reshaping how invoice and supply finance is delivered through automation, sector expertise, and flexible payment structures. Our vision is to create a funding ecosystem that is faster, smarter, and more transparent than anything currently available in the market.

By continuously investing in technology and leveraging our deep industry knowledge, we aim to redefine business finance - providing SMEs with a partner they can trust to deliver stability in uncertain times and agility in periods of rapid growth.

Ultimately, our vision is to transform the way SMEs think about finance: from a rigid necessity into a dynamic enabler of success.