In the UK at least, lending on accounts receivable is one way businesses, especially those with large, slow-paying clients, can obtain financing. This can be called “factoring” or “invoice discounting” - there are technical distinctions between the two terms, but basically you get, say, £80K now, and the lender later collects your £85K invoice from the customer, keeping the difference as the cost of credit. This can be structured as a one-off, like the example I just gave, or an ongoing line of credit, if you have recurring invoices that you discount consistently. MarketInvoice is one company I know that provides this service.