No credit check nonsense or unfair criteria to pass, just access to all the cash flow you need to supercharge your success.

Open an unlimited funding account and withdraw transactions from £500 to £1,000,000.

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Invoice in,  Money out

Instantly access cash flow by selling unpaid unpaid invoices for instant funds.

No credit checks, No personal guarantees,  100% of your money

Smart, Easy, Fast.

*Funding subject to invoice verification, charges apply.

Superfast, Super simple.

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

Your digital Penny account will instantly give you a no obligation decision and get paid in an average of just 50 minutes.** 

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**Average submission to payment time in 2022 is 52 minutes for second withdrawal, initial payment transactions may take longer.

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What it costs.

Penny is a flexible, low cost cash flow solution for businesses. We don't charge any interest, set up or monthly fee's but we do deduct an admin fee when you withdraw from your funding facility.

Fee's start from just 1%, though fees may vary based on the risk of the client your invoicing and invoice term.  Fee's are shown clearly before you make a withdrawal and there is no commitment to proceed.

Client Testimonial

Frederick H

Nice interface and easy to create invoices, clear communication of payments.

Smiling Man with Glasses

David Taylor

Very helpful and straight to the point.

Real humans.

No chat bots here, our awesome team of experts are here to support you every step of the way.

Client Testimonial

Amma Sohil

A class product, it's so simple.


4.89 Rating

Supporting over 10,000 UK businesses.

Frequently asked questions.