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Open a business cash advance account and withdraw from £500 to £500,000 by trading outstanding invoices for instant funds.


Award winning finance.

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SuperfastSuper simple.

Activate your account in less than 2 minutes and withdraw money by exchanging unpaid invoices for instant funds.

No credit checks. No personal guarantees. No hassle.

Withdraw 100% of your money in an average of just 12 hours*.

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Upload invoice. Download money.

Penny is a flexible, low cost cash flow solution for businesses. We don't charge any interest or monthly fees just a small admin fee when you withdraw from your funding account.

Fees start from just 1% and vary based on invoice details.

Fees are shown clearly before you make a withdrawal and there's never any commitment to proceed.

 The sky's the limit.

Think of Penny like an unlimited overdraft that automatically manages your invoice admin.

The more you use Penny to accelerate your cash flow the more rewards are applied to your account**.  

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Security built in.

Over 10,000 businesses trust Penny with their cash flow.

Our unique technology verifies all transactions, making sure your hard earned money is with you quickly and securely.


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Frequently asked questions.

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*Funding subject to invoice verification, charges apply. Average submission to approval time in 2022 is 52 minutes for second withdrawal, initial payment transactions may take longer. Service subject to normal business hours.

**Penny reward programme is automatically applied to your funding account, discounts subject to change. Terms and conditions apply.