About us

Penny is an award-winning business tool that lets businesses trade their unpaid invoices for instant funds.

A smart twist on selective invoice finance, many business owners use Penny to keep a healthy cash flow; unlocking capital from invoices they would normally have to wait weeks or months for.

With Penny you are automatically approved for a cash advance facility which you can draw down on at any time by exchanging qualifying invoices.



Penny provides cash flow freedom to thousands of businesses.


Fast & Fair

Penny’s unique technology makes instant decisions (no old-school under-writing here!) so funds are typically credited within 24 hours.

There are no set up or monthly fees and no interest payments, just a small admin fee when you draw on your funding account.

Fees start from just 1% based on invoice details.


Open to all

Some finance providers seem to love to say no! At Penny all businesses are welcome, including sole traders and start ups, across all industries.

There’s no credit checks, no personal guarantees or debentures and no minimum turnover requirements. That means zero risk and no endless hoops to jump through!


Smart tech

Over 10,000 UK businesses trust Penny with their flexible cash flow funding needs.

Penny’s unique technology verifies all transactions ensuring your hard-earned funds are with you quickly and securely.

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



How It Works

Run a business? Wouldn't it be awesome of you could access cash flow when you need it?



Exclusive member offer

50% discount exclusive to IPSE members

IPSE members will qualify for 50% fee discount on the first invoice they exchange (T&C apply)

Join now Login


Contact details

Call 02392 894000

Email [email protected]

Click www.pennyfreedom.co.uk

The Port House, Marina Keep, Port Solent
Portsmouth, PO6 4TH