Invoice financing offers a way for businesses to access cash by selling outstanding invoices, but how does it affect your credit score? Generally, invoice financing does not require a personal credit check, so your credit score remains intact. However, if you're unable to repay the lender, or if your customer defaults on payment, it could impact your business credit. Understanding the terms, payment schedules, and responsibilities involved is key to avoiding negative effects. With proper management, invoice financing can boost cash flow without damaging your credit score, making it an attractive option for businesses in need of immediate funds.