£8.5m International Invoice Finance Facility: IT Consultancy Case Study
Commercial Lead · Jun 11, 2026 · 5 min read
For fast-growing UK technology consultancies, securing large international contracts is only part of the challenge. This case study explains how Spark Finance structured an £8.5 million international invoice finance facility for a UK-based technology consultancy experiencing rapid global expansion. Working alongside HSBC, we delivered a scalable funding solution designed to support multi-jurisdictional operations, improve liquidity, and provide the financial infrastructure needed to sustain international growth.
By replacing a restrictive existing facility with a more flexible global funding structure, the business was able to unlock working capital, strengthen its overseas banking capabilities, and continue delivering larger international contracts without relying on overdrafts or limiting growth opportunities.
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Background
A UK-based technology consultancy business approached Spark Finance to support its international expansion plans.
The business had outgrown its existing invoice finance provider, which no longer offered the flexibility or global capability required to support its growing international client base. As demand increased across multiple jurisdictions, the company required a more scalable funding solution to maintain momentum and support future growth.
The funding requirement centred around securing a larger, more sophisticated facility that would provide the working capital, infrastructure and international banking support needed to underpin its next phase of expansion.
The Challenge
While the business was performing strongly, its existing funding structure was beginning to restrict growth.
Key challenges included:
- Limited flexibility from the incumbent invoice finance provider
- Insufficient support for multi-jurisdictional operations
- The need to establish international banking infrastructure
- Managing a complex transition without disrupting day-to-day operations
The business needed a funding partner that could scale alongside its international ambitions, while ensuring uninterrupted access to working capital throughout the transition.
"The business was winning contracts it couldn't fully fund through its existing structure. We delivered an £8.5 million international invoice finance facility, giving the directors immediate access to the working capital they needed."
- George Wilks, Commercial Lead, Spark Finance
Our Approach
Spark Finance undertook a comprehensive review of the business's funding requirements, cashflow profile and international growth strategy.
The consultancy demonstrated:
- Strong recurring revenue streams
- Established international client relationships
- Consistent trading performance
- A clear and ambitious global expansion strategy
Following a full market review, Spark secured a new £8.5 million invoice finance facility, working alongside HSBC, capable of supporting multi-jurisdictional operations and future international growth.
Beyond arranging the funding itself, Spark also managed a complete banking transition, including the establishment of overseas banking arrangements to ensure the business had the operational infrastructure required to support its expanding international footprint.
The process included:
- Managing the transition away from the existing provider
- Coordinating the onboarding of the new facility
- Establishing overseas banking capabilities with HSBC
- Ensuring uninterrupted access to working capital throughout the switch
Outcome
The business successfully transitioned to a new £8.5 million invoice finance facility, delivered in partnership with HSBC, providing the financial infrastructure required to support its next phase of international growth.
As a result, the business benefited from:
- Greater liquidity and improved cashflow flexibility
- Enhanced support for international and multi-currency operations
- A scalable funding structure aligned with future growth plans
- Seamless transition with no disruption to trading activity
- Increased capacity to secure and deliver larger international contracts
With the right funding partner and banking infrastructure now in place, the consultancy is well positioned to continue expanding into new territories with confidence.
This transaction demonstrates Spark Finance's ability to structure complex funding solutions for high-growth UK businesses with international ambitions, ensuring their funding evolves alongside their growth strategy.
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What is Invoice Finance?
There are two main variants: invoice factoring, where the funder manages collections on behalf of the business, and invoice discounting, where the business retains full control of its credit control function and the arrangement remains confidential. For professional services businesses with long-standing client relationships, confidential discounting is almost always the preferred structure.
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The bottom line
International invoice finance is one of the most underused tools available to UK professional services businesses with overseas clients. If your bank is only funding domestic receivables, you may be leaving a significant portion of your working capital potential unlocked. Speak to Spark Finance to find out what your full ledger is worth.
Check your eligibilityAbout the author
George Wilks
Commercial Lead
George Wilks is a Commercial Lead at Spark Finance, specialising in asset finance, trade finance, unsecured business loans, and working capital solutions for UK SMEs. He has been with Spark Finance since 2022 and works across a wide range of sectors including manufacturing, wholesale, retail, and professional services.
