Working capital for overdue invoices
When invoices are overdue, the problem often isn’t sales. It’s timing.
If cash is tight while you’re waiting to be paid, a working capital option may help you bridge the gap — without rushing into the wrong move.
This page focuses on short-term gaps caused by late customer payments — not long-term funding or growth finance.
100% free • No credit score impact
We’ll first confirm whether bridging overdue invoices makes sense for your situation.
Why overdue invoices create cash pressure
Overdue invoices can hurt even good businesses. Common reasons include:
A few large customers paying late (or paying in parts)
Invoice disputes slowing payment down
Progress claims taking longer to approve
Too much cash tied up in a small number of debtors
A short-term gap between job completion and payment
The key point: a receivables delay can look like “cash flow stress” on bank statements, even when the business is trading well.
What matters most in this exact situation
If you’re considering working capital because invoices are overdue, these are the decision points that usually matter:
How overdue they are (a small delay is different to a pattern)
How concentrated the risk is (one customer vs many smaller payers)
Whether the business can keep trading while waiting (wages, rent, suppliers, tax)
What your bank conduct shows (dishonours, frequent negatives, gambling-like activity, unexplained cash withdrawals)
Whether the story is clean and provable (what happened, what changed, what you’ve done to fix it)
If those pieces are clear, it’s often easier to find a sensible pathway.
What we check (so you don’t waste time)
To keep it safe and realistic, we start by checking the basics:
6+ months of business bank statements (minimum)
Turnover trend and income consistency
Cash flow pressure points (when the account drops and why)
Any recent conduct flags (dishonours, arrears, sustained negative days)
The reason invoices are overdue (and whether it’s temporary)
Nothing proceeds without your consent. The goal is to confirm what’s realistic before you commit to anything.
What can slow it down (and how to avoid it)
These are common reasons this scenario gets stuck:
The “why” is vague (no clear reason invoices are overdue)
Heavy reliance on one debtor with no backup plan
Statements show repeated dishonours or constant negative balances
Large unexplained cash withdrawals
The business is already behind on multiple obligations at once
If any of these exist, it doesn’t mean “no”. It just means we need to be clear on the plan and what’s changed.
To keep this useful, here’s what we won’t cover
This page stays focused on bridging cash flow while invoices are overdue.
It’s not a deep guide to invoice finance structures, debt collection, or the full lending process.
If you want the broader working capital overview, start here:
working capital business loans
FAQs
-
Often, yes — but it depends on what your bank statements show and whether the overdue issue looks temporary or ongoing.
-
For business lending, expect at least 6 months of business bank statements. Whether full financial statements are needed depends on the option and your situation.
-
Yes. We start with an eligibility check so you understand the likely pathway and what’s required before anything proceeds.
The safest next step
If overdue invoices are squeezing your cash flow, the safest move is to check eligibility first so you don’t waste time or take on the wrong structure.
100% free • No credit score impact
A calm note on decisions like this
Working capital can help in timing gaps, but it’s still a credit decision.
We’ll keep it simple, explain what matters, and confirm what’s needed before anything proceeds.