Invoice Finance
Turn Invoices Into Immediate Cash
Why wait for customers to pay? Access up to 90% of your invoice value in as little as 24 hours. Choose from factoring, discounting, or selective options to suit your business needs.
- Up to 90% advance on invoice value
- Funding grows with your sales
- Confidential options available
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- Cash flow solutions you can rely on
Funding Solutions
Business Loan Options
Every business is different. That’s why we offer multiple funding solutions to match your specific needs and circumstances.
Invoice Factoring
- Up to 90% advance on invoice value
- Credit control managed for you
- Improves cash flow instantly
Invoice Discounting
- Confidential facility
- Maintain customer relationships
- Retain credit control
Selective Invoice Finance
Select the invoices you want to finance, giving you flexibility to address occasional cash flow needs or manage payments from a few large customers.
- No long-term commitment
- Finance single invoices
- Pay-as-you-go flexibility
Supply Chain Finance
- Suppliers get early payment
- Extend your payment terms
- Strengthen supply chain
Trade Finance
- Fund imports and stock
- Take on larger orders
- Domestic and international
Why Invoice Finance
Benefits of Invoice Finance
Stop waiting for customers to pay. Here’s how invoice finance can transform your cash flow.
Fast Access to Cash
Stop waiting 30, 60, or even 90 days for customer payments – unlock up to 90% of your invoice value within just 24 hours.
Scale With Confidence
Focus on Growth
Focus on winning new business while we take care of credit control and collections for you.
Ready to Unlock Your Cash Flow?
From fast bridging loans to long-term commercial mortgages, we’ll tailor the financing to ensure your deal succeeds.
Got Questions?
Invoice Finance FAQs
Find answers to the most common questions about invoice finance solutions.
How does invoice finance work?
You raise invoices as normal. We advance up to 90% of the invoice value immediately. When your customer pays (to you or us, depending on the facility), you receive the remaining balance minus our fee. It’s straightforward working capital tied to your sales.
Will my customers know I'm using invoice finance?
That depends on the product. With Invoice Factoring, customers are notified and pay the factor directly. With Invoice Discounting, the facility is confidential—customers pay you as normal and have no idea you’re using finance. We’ll help you choose the right option.
What percentage of invoices can be advanced?
Typically 70-90% of the invoice value is advanced upfront, with the balance (minus fees) released when the customer pays. The exact percentage depends on your sector, customer quality, and trading history.
How quickly can I access funds?
Once your facility is set up, advances are typically paid within 24 hours of submitting invoices. For existing customers on your ledger, it can be same-day. The initial setup takes around 2-4 weeks.
What fees are involved?
There are typically two fees: a service fee (a percentage of your turnover, usually 0.5-3%) and a discount fee (interest on the advanced amount). We’ll provide a clear breakdown before you commit, with no hidden charges.
Do I need to factor all my invoices?
Not necessarily. Whole turnover facilities finance all invoices, while selective invoice finance lets you choose specific invoices. Single invoice finance is also available for occasional needs. We’ll match the product to your requirements.
What if my customers don't pay?
Non-recourse factoring protects you from bad debts—if a customer can’t pay due to insolvency, you’re covered. Recourse facilities are cheaper but leave the debt with you. We’ll explain the options and help you decide what’s right for your risk appetite.
Is invoice finance suitable for my business?
Invoice finance works for most B2B businesses that invoice on credit terms. You’ll typically need a minimum turnover of £100,000+ and customers who are other businesses (not consumers). Even startups and businesses with imperfect credit can qualify.
Still have questions?