Invoice Finance

Invoice finance allows businesses to access the value of their outstanding invoices before customers have paid. Rather than waiting 30, 60 or even 90 days for payment, you can receive up to 90% of the invoice value within 24 hours of raising it. This dramatically improves cash flow and gives you the working capital to take on new contracts, pay suppliers and invest in growth.

Invoice Factoring vs Invoice Discounting

There are two main forms of invoice finance. Invoice factoring involves selling your invoices to a finance provider, who then manages your sales ledger and collects payment from your customers on your behalf. Invoice discounting is a more discreet option where you retain control of your sales ledger and customer relationships, while the lender advances funds against your invoices. We will assess your business and recommend the most appropriate solution.

Who Can Benefit from Invoice Finance?

Invoice finance is particularly well-suited to B2B businesses that invoice other businesses or organisations on credit terms. It is widely used in sectors including manufacturing, recruitment, construction, logistics, wholesale and professional services. If your business is growing faster than your cash flow allows, or if you are struggling with the gap between delivering work and receiving payment, invoice finance could transform your financial position.

Key Benefits

• Access up to 90% of invoice value within 24 hours
• Improve cash flow without taking on traditional debt
• Facility grows with your turnover
• Confidential options available
• Suitable for businesses with £100,000+ annual turnover
• Reduce reliance on overdrafts
• Take on larger contracts with confidence
• Dedicated account management

Frequently Asked Questions