PennyFreedom: Instant Invoice Advance - Get your invoice paid in 24h

Invoices paid instantly.

Your money, simply faster

Welcome To Penny.

Meet Penny

We’re on a mission to get you paid faster

We believe you shouldn’t have to wait for invoices to be paid, and that solutions should be simple, clear and fair.

Our mission is to get you paid instantly and free you from the hassle of chasing invoices.

By combining fantastic people and our unique technology we’re helping thousands of businesses to get paid instantly.

  • Instant invoice payments
  • Instant cash flow
  • Instant control

What is Penny?

Instant cash flow, instant control

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

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

The best part is Penny is risk free for you, we don’t ask for security or guarantees, we simply make getting your money faster and simpler.

  • Your invoice paid instantly
  • Penny takes care of all the admin
  • On-demand cash flow control

Built to help you grow

Take back control of your cash flow

Waiting payments is painful and 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

How Penny works

Simple by design


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

Click to proceed, and funds will be in your bank just as soon as we confirm the invoice details – this can be as little as 30 minutes.

Your client simply pays Penny on their normal payment terms, so everybody’s happy.

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

"Ridiculously easy"

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


Aperi Libertas

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


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


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 works on any device and takes just seconds.

  • Free account, no subscription or tie-ins
  • Dedicated support team whenever you need them
  • Instant decisions, instant payments

Featured in

Everyone’s 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.

  • No personal guarantees
  • No security required
  • No contracts, credit checks or tie-ins.

Get more business

Time is precious, give your clients more

Become more attractive to clients by offering payment the options that’s best for them, all without any payment delay to you.

You get paid now, your clients pay later.

  • Make it easier for clients to do business with you
  • Increase your clients spending ability with you
  • Help your clients cash flow without impacting yours

Tax deductible

The efficiencies keep coming

Penny fees are tax deductible, that’s one more reason to get your invoices paid instantly.

Automatically access all the invoice data you need to keep you and your accountant happy.

  • 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 days advanced

What Penny users say...

Massive relief not having to wait for invoices to be paid anymore as I always hated chasing clients.

Business Owner
Business Owner

Our contractors use Penny to get paid sooner, very easy for us.

Recruitment Agency Director
Recruitment Agency Director

Easy to use, faster payments and a friendly team.

Self Employed
Self Employed

The idea of getting paid before my client settled my invoices was a little weird if I'm being totally honest, but it's been fab.

Freelance Writer
Freelance Writer