Invoice Finance

Release Cash From Unpaid Invoices Within 24 Hours

Invoice finance unlocks the value in your sales ledger, providing immediate cash flow by borrowing against your outstanding customer invoices. Instead of waiting 30-90 days for customers to pay, you can access up to 90% of invoice value within 24 hours of raising the invoice, improving your working capital position and enabling business growth without additional debt.

Types Of Invoice Finance

Invoice Factoring

Sell your unpaid invoices to a factoring company who advances up to 90% of the value and manages the collection process. Ideal for businesses wanting to outsource credit control.

Invoice Discounting

Borrow against your sales ledger without notifying your customers. You maintain control of collections while accessing immediate cash flow.

Selective Invoice Finance

Choose which specific invoices to finance, giving flexibility to fund particular orders or contracts without committing to full factoring agreements.

Common Use Cases

Late Paying Customers

Bridge the gap when customers take 60-90 days to pay outstanding invoices.

Growth Opportunities

Take on larger contracts knowing your cash flow is protected by invoice finance.

Seasonal Fluctuations

Manage seasonal peaks in business without worrying about payment timing.

International Trade

Fund imports and exports with specialist trade finance products that manage currency and delivery risk.

Supplier Payments

Pay your suppliers early to negotiate better terms and maintain strong supply chain relationships.

Frequently Asked Questions

How much of my invoice value can I access immediately?

You can typically access 70-90% of your invoice value within 24-48 hours of submission, with the remaining balance (minus fees) released once your customer pays. The exact advance rate depends on your customer base, invoice values, and the strength of your credit control processes.

Will my customers know I'm using invoice finance?

With invoice discounting, your customers are not notified — you maintain confidentiality and manage collections yourself. With factoring, the factor will contact your customers to collect payment, so they will be aware. Your broker can help choose the right structure for your customer relationships.

How quickly can I set up invoice finance?

Invoice finance facilities can often be set up within 1-2 weeks for new applicants, provided your business has clean filed accounts and a clear customer base. Existing facilities with established lending relationships can sometimes be amended within days.

What types of businesses use invoice finance?

Businesses across many sectors use invoice finance, particularly those with long payment terms or B2B customers. It works well for manufacturing, construction, professional services, wholesale, and recruitment companies. Any business with established creditworthy customers and unpaid invoices can potentially benefit.

Are there minimum turnover requirements?

Most invoice finance providers have minimum annual turnover requirements, typically starting from £100,000-£250,000 per year. However, selective invoice finance arrangements may be available for smaller businesses or those with irregular financing needs.

Can I choose which invoices to finance?

Yes — selective invoice finance allows you to choose specific invoices to finance rather than funding your entire sales ledger. This provides flexibility for larger contracts, international trade, or seasonal peaks without committing to full factoring arrangements.

Ready to Get Started?

Speak to our team about your funding requirements and let us find the right solution for your business.

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