# Skipton Business Finance

Skipton Business Finance is a specialist invoice and asset-based lending provider operating from their Manchester office in Salford. With nearly 25 years' experience, they deliver tailored working capital solutions to UK SMEs facing cash flow challenges.

The company serves businesses of all types that need to unlock capital tied up in unpaid invoices, stock, property, machinery or other assets. Their target clients are typically growth-focused companies struggling with the gap between invoicing customers and receiving payment, or those requiring larger facilities up to £25 million.

What distinguishes Skipton is their flexibility and speed of delivery combined with deep sector expertise. They employ specialist staff across multiple UK locations, enabling personalised relationships with clients and introducers rather than a one-size-fits-all approach. Their product range demonstrates this bespoke philosophy—from confidential invoice discounting where businesses retain collection control, to their innovative Skipton Select offering (interest-free factoring with transparent, turnover-based pricing), to comprehensive asset-based lending solutions.

Beyond core lending, they provide complementary services including bad debt protection and the Growth Guarantee Scheme to support SME expansion. This breadth of offerings allows them to match precise funding structures to individual business circumstances. Their emphasis on flexibility, combined with industry-leading credit control functions and accessible terms, positions them as a pragmatic alternative to traditional bank financing for businesses needing faster access to working capital without restrictive covenants.