Unlock cash from your unpaid invoices.
Invoice Finance unlocks the cash tied up in unpaid invoices, advancing up to 85–90% of each invoice's value within 24 hours of raising it.
Key benefits
- Improve cash flow without taking on new debt
- Access up to 85–90% of invoice value immediately
- Funding grows as your sales grow
- Confidential facilities available — customers may not know
- Reduces the time and cost of credit control
Who is it for?
B2B businesses with slow-paying customers or those growing faster than their working capital allows. Particularly suited to businesses with 30–90 day payment terms.
How it works
You raise an invoice and submit it to the facility. The lender advances up to 90% of the face value within 24 hours. When your customer pays, the lender releases the remaining balance minus their fee.
Frequently asked questions
What is the difference between invoice discounting and factoring?
With factoring the lender manages your sales ledger and credit control. With invoice discounting you retain control and the arrangement can be confidential.
Do my customers find out about invoice finance?
Not if you choose a confidential or undisclosed facility. Customers simply pay into the same bank account as usual.
Which invoices can I use?
Most B2B invoices with creditworthy UK business customers are eligible. Invoices to consumers or related parties are usually excluded.