Penny Freedom – Instant Invoice Advances. Get Your Invoice Paid in 24h

Supercharge your cash flow.

Instant, on demand invoice payments.

Meet Penny

We’re on a mission to get you paid faster

Penny allows small businesses to access cash flow fast. 

Slow cash flow is painful, Penny solves the problem by instantly funding invoices and raising money in just hours.

  • Instant invoice payments
  • Instant cash flow
  • Instant control

How Penny works

Your online money partner


Using Penny is easy, think of us as a bank, invoice software and your own personal finance team rolled into one.

When it’s time to raise an invoice, just add your client and create in a few taps. Penny gives you the option to get paid instantly and tells you how much it will cost.

Funds will be in your bank just as soon as we confirm the invoice – this can be as little as 30 minutes.

  • Instantly check the eligibility of your invoices
  • Raise your invoices and get paid instantly
  • We look after the admin and credit control

Built to help you grow

Take back control of your cash flow

Waiting payments holds your business back, we don’t think that’s right…

That’s why we created Penny, so you can relax knowing you’ll be paid instantly and focus on growing your business.

  • Instantly cash flow
  • Your clients pay as usual.
  • No more cash flow worry

Cash flow on Tap

Instant cash flow, instant control

Penny creates, funds and pays your invoices so you receive money instantly.

With Penny there’s no more waiting for payments or annoying admin.

Super flexible

Control your cash flow anywhere

Life moves fast when you run a business, that’s why Penny fits around you.

There’s no waiting for decisions or complicated forms, Penny takes just seconds.

All are welcome

We’re interested in people, not paperwork

We don’t have overbearing or unfair criteria to pass, if you have a business you can use Penny.

That’s just one of the unique things about us at Penny.

Tax deductible

The efficiencies keep coming

Penny fees are tax deductible, that’s one more reason to supercharge your cash flow.

  • Tax deductible fees
  • Make Penny even cheaper
  • Access invoice data on demand


Simple, clear & transparent


Free invoice creation and management


  • Add clients, create, edit and send invoices
  • Access on any device
  • Pre-screen clients to see financial security
  • Access instant payment options on demand

Instant Payment

Instant invoice payment.


  • Instant invoice payments
  • Full credit control
  • Bad debt protection
  • Fee per 30 day transaction

"Ridiculously easy"

“Penny is a great cash flow solution that gives piece of mind”


“The checker is a phenomenal feature so you get a decision straight away”


“Pick and choose what you factor. It’s so simple”