Penny is an on-demand finance solution that puts cash flow within your control. Get invoices paid instantly, while your client pays as normal. Ideal funding option for startups - no minimum trading history or turnover requirements, just accessible cash flow when you need it.

Simple online sign up

Accelerate success with instant cash flow

Long tail payment terms and late payments can have a devastating impact on small businesses, especially in the early years of trading. Penny are looking to help great startups fulfill their potential by releasing money that is tied up in invoices.

You’ve worked hard on the recipe for success - a great product or service, demand, and the skills and capacity to deliver to your customers. But cash flow is the lifeblood of every business, and once money is locked up in outstanding invoices, it’s outside your control.

Penny gives you that control back, by advancing invoice payments for an instant cash injection, so you can accelerate your growth goals.

All businesses welcome

Traditional funding options can be restrictive, but at Penny that’s not how they do things.

  • No personal guarantees
  • No security requirements
  • No minimum trading history
  • No minimum turnover
  • No audits
  • No forecasts required

No blocking you at every pass with endless qualifying criteria - if you have a business, you can use Penny.

Easy as 1,2,3

Penny’s online process makes signing up and using Penny simple and efficient for both you and your clients.

  1. Simple online sign up - no nasty forms, credit check or tie-in
  2. Pre-approve finance - check the eligibility of your invoices in under 10 seconds
  3. Get paid instantly - Create invoices and get paid in hours

No waiting, no chasing, no hassle.

Once you have had your advanced invoice payment through Penny, you can leave everything to us. We look after all the admin and payment collection, there is never any comeback or risk to you.

The team are experienced finance professionals and we will always be discreet and respectful in all of the dealings with your clients. (In fact, many of them go on to use Penny themselves!)

At Penny, they are cheering on small businesses and can’t wait to welcome you onboard.

Simple online sign up