Designed to bridge the Cash Flow Gap

Ride the wave of cash flow with certainty

Smart Business Link are a Specialist Invoice finance company dealing with the Accident repair market. We are a friendly, enthusiastic team and work with companies all across the UK. We have many years of experience working within the automotive industry and specialise in offering a unique financial product that is specifically tailored to accident repair businesses.

We dedicate ourselves to be customer focused and look to establish a strong and lasting partnership with the businesses we help. Whether your business is big or small, new or established, we can provide a quick and efficient service that meets your needs and can be used on your terms without any tie-in contracts.

What is Traditional Invoice Factoring

Typically, only 60-70% paid upfront

Whole of Turnover Agreements

Set-Up Fees

Complex Legal Agreements

Interest and Extra Charges

Monthly Audits

Minimum Monthly Usage

What Smart Business Link offer

Over 95% paid upfront

Whole of Turnover Agreements

Bespoke service to suit your company needs

Business Development advice

Simple and easy to understand Legal Agreements

“No” Set-Up Fees

“No” Interest and Extra Charges

“No” Monthly Audits

“No” Minimum Monthly Usage

Use “as and when” service, to suit your business needs.

The Benefits of using us are clear


Use as and when you need


Quick way to free up money


An efficient way to help grow your business


Cheaper than alternative finance and merchant cash advances.


Easier to qualify for than other business loans.

Credit Score

Personal credit score may not be required

Spend more time repairing vehicles
& less time chasing payments

Whether your business is big or small, start-up or established, we can help you grow your business, save time and costs and improve your cash flow. Our solution can be tailored to your specific requirements and is quick and easy to access. Each time you raise an invoice, Smart Business Link will purchase your invoice minus a small fee.

We will then transfer the remaining value the same day or within 48 hours and await payment direct from the insurer.

Our facility will save you significant time and cost chasing payments whilst freeing up your cash flow.

Knowing when you will be paid allows you to forecast and plan for growth without concern. Our trained staff are experienced at opening the closed doors and building a trusted relationship with the claims handlers.

No Contract

No contract tie-ins or set-up Fees
(no minimum terms).


Express facility set-up


Dedicated Account manager

Our Products

Whether you want to improve your cash flow or grow your business, we will take the time to really understand the complexities of your operation and tailor a package to meet your specific needs.

There is no tie in contracts and our service can be used as and when you need us.

We are a single invoice factoring facility