Release cash tied up in eligible B2B invoices instead of waiting for customers to pay. Facility size, advance rate and availability depend on your debtor book, trading record and lender criteria.
Invoice finance releases cash tied up in unpaid invoices, providing immediate working capital while you wait for customer payments.
You raise invoices to your customers as normal for goods or services provided.
The provider advances an agreed proportion of eligible invoice value after its checks and verification.
When customer pays, you receive balance minus service fee (typically 0.5-3%).
Different invoice finance solutions to match your business needs and customer relationships
The factor manages your sales ledger and collects payments directly from customers. Higher advances, full service.
Businesses wanting to outsource credit control
70-90% of invoice value
1-3% of turnover
You retain control of sales ledger and customer relationships. Confidential funding that customers don't see.
Businesses maintaining customer relationships
60-85% of invoice value
0.5-2% of turnover
Choose how much of your invoice book to include in the finance facility
Choose which invoices to finance on a case-by-case basis. Perfect for occasional cash flow needs.
Finance all eligible invoices automatically. Better rates and higher advances for ongoing cash flow management.
Eligibility depends on the sales ledger, debtor quality, contracts, disputes, concentration and the applying business.
Typically 0.5%–3% of turnover, depending on facility type and volume.
Typically charged at a margin above base rate, on funds drawn only.
Typically 70%–90% of invoice value.
With factoring, the provider usually manages the sales ledger and collections. With invoice discounting, the business normally retains credit control; confidential facilities may be available to businesses with suitable systems. Neither option is automatic, and lender criteria apply.
If the cash requirement is not supported by eligible invoices, compare unsecured working-capital finance instead.
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