Debtor finance services can help small businesses by providing working capital and improving cash flow. These services should provide funding of up to 80% of invoice amounts within 24 hours without long-term contracts, fees, or requiring property as security. This injection of cash allows businesses to take advantage of early payment discounts, pay employees and suppliers on time, and reinvest in growth. The debtor finance service pays the business upfront for invoices and then collects payment from the customers, without disrupting normal billing practices. Factoring services vary in their structures but can provide an advanced way to access cash flow for businesses.