# Apollo Business Finance

Apollo Business Finance is an invoice financing company based in Manchester that provides fast cash advances to UK SMEs against unpaid invoices. Rather than waiting 30, 60, or 90 days for customers to pay, businesses can unlock up to 90% of invoice value within 24 hours, enabling them to cover immediate operational costs like staff wages and supplier payments.

The company specifically targets businesses that traditional lenders have rejected—those with poor credit histories, County Court Judgments (CCJs), or IVAs. Apollo's approach is non-judgmental and flexible, focusing on invoice quality rather than credit scores. Their underwriting emphasises the strength of customer invoices over the borrower's credit profile, making them accessible to businesses shut out by high street banks.

What sets Apollo apart is their speed (same-day quotes, 24-hour funding), substantial track record (£63m+ funded to SMEs in the current year), and willingness to support businesses others won't. They provide hands-on support throughout the process and offer additional protections like bad debtor coverage on key customers. The model is straightforward: businesses submit invoices, receive immediate cash, and Apollo collects payment directly from the end customer, taking a small fee from the final balance.

Their case studies demonstrate real impact—from family-run businesses recovering after rejections to construction employment firms managing weekly payroll despite 30-day payment terms.