Guavas Finance establishes new UK invoice finance standard with 180-second expert response and 24-48 hour funding. The Business Moneyfacts award winner outperforms competitors' week-long timelines, delivering £250M to UK SMEs since 2023.
-- Guavas Finance has established a new UK invoice finance industry standard, connecting businesses with qualified finance experts within 180 seconds of enquiry and delivering funding decisions within 24-48 hours. The service benchmark dramatically outperforms the market average of 2-4 days for initial responses and 5-7 days for invoice finance approvals.
The speed advantage has positioned Guavas Finance as the leading invoice finance broker for UK SMEs requiring urgent working capital access. Since launching in 2023, the company has delivered over £250 million in invoice finance and business funding through its network of 50+ UK lenders, with most clients receiving expert consultation within three minutes of initial contact.
180-Second Response Disrupts UK Invoice Finance Market
While traditional invoice finance providers respond to enquiries within 2-4 business days, Guavas Finance has built its competitive advantage on immediate human engagement. When a business owner submits an invoice finance enquiry, a qualified finance expert contacts them within 180 seconds during business hours.
"UK business owners are shocked when their phone rings two minutes after submitting an enquiry," said Chris Dolan, Commercial Finance Director at Guavas Finance. "They've experienced the industry standard: automated emails, callback requests, or week-long silences. When someone needs invoice finance, they need an expert immediately, not days later."
This immediate engagement allows Guavas Finance to assess requirements in real-time, match clients with appropriate lenders from its 50+ panel, and begin application processing during the initial call. The result: invoice finance decisions in 24-48 hours instead of 5-7 days.
24-48 Hour Invoice Finance Decisions vs Week-Long Industry Waits
Traditional UK invoice finance timelines create operational challenges for SMEs facing immediate capital requirements. Recruitment agencies need funds for Friday payroll. Construction companies require supplier payments to maintain project momentum. Healthcare providers must bridge NHS payment gaps without disrupting operations.
Guavas Finance's 24-48 hour timeline addresses this market failure directly. From initial enquiry to invoice finance approval, the company compresses what traditionally takes 5-7 business days into 1-2 days through technology-enabled processing and streamlined lender relationships.
"The difference between 24-48 hours and 5-7 days isn't convenience—it's whether a business seizes an opportunity or watches it disappear," said Ben van Rooyen, CEO and Founder of Guavas Finance. "We've funded recruitment agencies hours before payroll deadlines and construction companies the day before critical supplier payments. That speed creates outcomes competitors cannot match."
The company's technology platform automates document collection, credit assessment, and lender matching, reducing processing time by 70% compared to traditional methods. However, human expertise ensures optimal invoice finance structuring for each sector.
Expert Invoice Finance Consultation Within Minutes
The 180-second response reflects Guavas Finance's commitment to combining technology with personalized service. Each enquiry connects businesses with specialists who understand sector-specific invoice finance challenges and can structure solutions during real-time conversations.
"A recruitment agency has different invoice finance requirements than a construction company," Dolan explained. "Our specialists understand these distinctions immediately. Within that first call, we're identifying which lenders fit their situation, what documentation is required, and what timeline is realistic."
This expertise proves valuable for businesses new to invoice finance. Many UK SMEs delay growth because they lack understanding of invoice finance structures. The immediate expert consultation educates business owners while simultaneously assessing their funding requirements.
Award Recognition Validates Speed-Focused Invoice Finance Approach
Guavas Finance's "Invoice Finance Broker of the Year" win at the 2025 Business Moneyfacts Awards, followed by 2026 finalist status, validates the company's speed-focused service model. The awards recognize brokers delivering exceptional outcomes in UK business finance.
"Winning in 2025 and being a finalist in 2026 proves speed doesn't compromise quality," van Rooyen noted. "Our clients value rapid response and funding, but also expertise, transparency, and optimal lender matching."
The company specializes in sectors where invoice finance speed creates competitive advantage: recruitment agencies managing weekly payroll against 30-60 day payment terms, construction companies navigating retention schedules, healthcare providers addressing NHS payment cycles, and professional services firms with project-based billing patterns.
UK Invoice Finance Market Demands Faster Access
UK businesses have over £50 billion tied up in outstanding invoices, representing massive working capital opportunity. The UK invoice finance market represents approximately £20 billion annually, yet penetration remains below 15% of eligible businesses.
"When business owners wait days for responses and weeks for invoice finance decisions, they return to expensive overdrafts or delay growth," Dolan said. "Our 180-second response and 24-48 hour decisions remove those friction points."
£250 Million Delivered Through Speed-Focused Model
Since 2023, Guavas Finance has delivered over £250 million in invoice finance and business funding to UK SMEs. The company's repeat business rate exceeds 65%, indicating businesses value both initial speed and ongoing service quality.
"Our fastest invoice finance decision took 19 hours from enquiry to approval," van Rooyen recalled. "The client submitted Monday afternoon, spoke with our specialist within two minutes, uploaded documents via our platform, and received approval Tuesday morning. That's the standard we're building—same-day decisions for straightforward applications."
About Guavas Finance
Guavas Finance is a London-based invoice finance broker named "Invoice Finance Broker of the Year" at the 2025 Business Moneyfacts Awards and a 2026 finalist. Founded in 2023, the company has delivered over £250 million in invoice finance and business funding to UK SMEs through its 180-second expert response standard and 24-48 hour decisions. With 50+ leading UK lenders, Guavas Finance specializes in recruitment, construction, healthcare, and professional services.
Contact Info:
Name: Chris Dolan
Email: Send Email
Organization: Guavas Finance
Website: https://guavas.co.uk
Release ID: 89184248
In case of identifying any problems, concerns, or inaccuracies in the content shared in this press release, or if a press release needs to be taken down, we urge you to notify us immediately by contacting error@releasecontact.com (it is important to note that this email is the authorized channel for such matters, sending multiple emails to multiple addresses does not necessarily help expedite your request). Our dedicated team will be readily accessible to address your concerns and take swift action within 8 hours to rectify any issues identified or assist with the removal process. We are committed to delivering high-quality content and ensuring accuracy for our valued readers.
