Free tool · for UK businesses
You've done the work and sent the invoice. But the money sits with your client for weeks while you still have payroll and suppliers to pay. Move the two sliders to see, roughly, how much of your own money is tied up at any given moment.
Nothing is stored or sent. The calculation runs entirely in your browser — we never see your numbers.
What you bill clients in a typical month
Your invoice terms in practice — often 30, 60, even 90 days
Cash tied up in unpaid invoices
£74,000
of money you've already earned, sitting in receivables at any given moment — instead of funding payroll, suppliers, and growth.
Illustrative estimate · your figures only · not financial advice
Why the number is bigger than it feels
Every new client you win adds another invoice you have to wait on. So the faster you grow, the more of your own cash is locked up in work you've already delivered. It isn't a profit problem — it's a timing problem between when you pay out and when you get paid.
Where invoice finance fits
Invoice finance exists to bridge exactly this gap — so you can put the cash you've already invoiced to work now, rather than waiting 30–60 days for it. It's arranged by specialist finance brokers, matched to how your business actually bills.
YORXEN connects UK Ltd and LLP businesses with specialist finance brokers who arrange invoice finance. It's free, no obligation, and we only pass your details on with your explicit consent.