Invoice Finance Broker vs Direct Funder: Why Choose Go-Factor?
Independent invoice finance expertise · Go-Factor Business Finance
One funder can offer its own products. Go-Factor helps you choose across the market.
Why make an important funding decision after seeing only one provider’s offer? Go-Factor knows the invoice finance market. We compare banks and specialist funders, negotiate the terms and help you secure funding built around your business.
Before You Choose a Funder, Talk to Go-Factor
Already have a quote? Send it to us. We will compare the available cash, costs and terms with alternatives across the market.
Compare My Invoice Finance Options
Invoice Finance Broker or Direct Funder: What Is the Difference?
A direct funder offers its own products. An independent broker uses knowledge of the wider market to identify which providers and facilities fit your business. That gives you a broader choice before you commit.
Approach a Direct Funder
- Access that provider’s product range.
- Apply within its lending criteria.
- Assess and negotiate its quotation yourself.
- Look elsewhere if its offer does not fit.
Work With Go-Factor
- Compare banks and specialist funders.
- Find providers that understand your sector and circumstances.
- Have an experienced broker negotiate funding, fees and terms.
- Receive support through to successful funding.
Get More From Your Invoice Finance
Find the Right Fit
New start, growing business or existing facility? We identify funders with the products and appetite to support your plans.
Negotiate What Matters
We challenge fees, restrictive customer limits and contract terms, with a focus on the cash your business can actually use.
Keep Things Moving
We coordinate the application, help resolve questions and stay involved through to completion. You have an experienced broker to call.
Does Go-Factor Charge an Additional Broker Fee?
No. Go-Factor is remunerated by the funder when funding successfully completes. We do not charge you an additional broker fee for arranging your invoice finance.
Some brokers charge clients separately. With Go-Factor, you receive independent comparison, negotiation and support without an additional Go-Factor broker fee. The funder’s agreed facility charges still apply.
Go-Factor in Action: £12,000 Saved Every Month
For one client, Go-Factor coordinated a funding restructure and full banking switch that delivered a £12,000 monthly cost saving across the package.
Lloyds Banking Group recognised Go-Factor’s role with a Signature Deal Award.
“Helen Boylett-Smith delivered a truly standout achievement…”
Jamie Kemp, Lloyds Head of Broker Growth
Award-Winning Expertise. Personal Support.
Founded in 2017 by Helen Boylett-Smith, Go-Factor is a member of the National Association of Commercial Finance Brokers (NACFB). Our recognition includes:
- Winner: NACFB Intermediary Excellence Award 2023.
- Highly Commended: NACFB Invoice Finance Broker of the Year 2023.
- Highly Commended: NACFB Cashflow Broker of the Year 2021.
- Finalist: Business Moneyfacts Invoice Finance Broker of the Year 2024, 2025 and 2026.
- Lloyds Banking Group Signature Deal Award for the transaction above.
Already Have Invoice Finance?
Bring us your current agreement. Go-Factor will review what you pay, how much cash you receive and whether the facility still suits your business. We can negotiate improvements with your existing provider or help you compare a move to another funder.
Starting Your First Facility?
Speak to Go-Factor before choosing a provider. We support new businesses as well as established SMEs, matching your customers, payment terms and funding needs with suitable invoice finance options.
Don’t Flood the Market With Enquiries
One conversation with Go-Factor gives your enquiry direction. We present your business to the right funders and coordinate the process, helping avoid duplicate applications, unnecessary searches and repeated calls.
Find Out What the Market Can Offer Your Business
Send us your quotation or current agreement, or tell us what funding you need. Let Go-Factor do the comparison and negotiation for you.
Indicative offer same day; funding in 7 days.
Request Your Funding ReviewCall 0161 739 0377 or email letstalk@go-factor.co.uk.
Fast. Flexible. Funding, Built Around Your Business.
Funding and timescales are subject to eligibility, approval, completed documentation and the funder’s terms. Existing notice periods affect switching timescales.
