Why Businesses Trust Go-Factor
Founded by award-winning commercial finance broker Helen Boylett-Smith, Go-Factor helps UK businesses understand, compare and secure suitable funding.
Helen believes every business deserves to be taken seriously, including new starts securing their first customers, contracts and invoices.
Go-Factor combines more than 30 years of commercial finance experience with independent access to banks and specialist funders.
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Why Go-Factor Exists
Cash flow problems are not always caused by poor performance. Customers may take 30, 60 or 90 days to pay, while wages, suppliers, materials and taxes must be paid sooner.
Growth can create the same pressure. A new contract or larger order may require cash before it produces income.
Funding products, costs and lending criteria vary. The solution offered by one lender may not be the best fit.
Go-Factor exists to make that decision clearer and help businesses choose funding with confidence.
Understand, Compare and Secure
Every recommendation begins with understanding the business.
Understand
We consider how the business trades, when customers pay, why funding is required and what the facility must achieve.
Compare
We explain the relevant options and compare providers suited to the business, sector and funding requirement.
Secure
We help present the enquiry to appropriate funders and progress the selected solution.
Independent Expertise
Go-Factor is not restricted to one lender or product.
Our specialist expertise includes invoice finance, invoice discounting, factoring, spot finance and working-capital funding.
Where another solution is more appropriate, we can also consider trade finance, asset finance, revolving credit facilities, business loans and commercial mortgages.
Funding is not recommended simply because it is available. It must solve the business problem.
Supporting New Businesses from the Start
Starting a business takes confidence, commitment and often personal financial risk.
When a new company wins its first substantial order or contract, limited cash—not limited potential—can become the obstacle.
Helen takes time to understand the people, experience and opportunity behind each new business.
Go-Factor then identifies funders willing to assess the complete proposition rather than judging the company solely by its trading history.
Meet Helen Boylett-Smith
Helen founded Go-Factor because she believed businesses deserved more than access to funding. They deserved independent expertise that would help them make the right decision.
With more than 30 years of commercial finance experience, Helen has supported new starts, growing SMEs and established companies through growth, change and difficult financial circumstances.
Her approach remains central to Go-Factor: understand the business first, then find the funding.
Award-Winning Expertise
Go-Factor’s work has been recognised across the UK commercial finance industry.
- Winner — NACFB Intermediary Excellence Award 2023
- Highly Commended — NACFB Invoice Finance Broker of the Year 2023
- Highly Commended — NACFB Invoice Finance Broker of the Year 2025
- Highly Commended — NACFB Cashflow Broker of the Year 2021
- Business Moneyfacts Finalist — Invoice Finance Broker of the Year 2023, 2024, 2025 and 2026
- Shortlisted — NACFB Industry Ambassador of the Year 2025
- Shortlisted — NACFB Invoice Finance Broker of the Year 2026
Go-Factor received the award after helping deliver a £3 million invoice discounting facility, a £4 million term loan and a full banking transfer.
The completed structure saved the client approximately £12,000 each month.
Tell Helen About Your Business
Whether you are starting a business, funding growth or reviewing an existing facility, Go-Factor will help you understand the options and identify the right next step.
Request Your Funding ReviewAll funding is subject to status, provider criteria and final approval.