Invoice Finance: Unlock Cash Locked in Unpaid Invoices
Stop waiting 30, 60, or 90 days for client payment. Release up to 90% of unpaid invoice values within 24 hours to fuel day-to-day operations.
Invoice Finance & Factoring
UK Enterprise Implementation
Overview of Invoice Finance & Factoring
Long debtor payment terms can choke commercial growth, particularly for B2B suppliers, recruitment agencies, and hauliers. Invoice finance allows you to borrow against your outstanding sales ledger. As soon as you issue an invoice, a lender advances up to 90% of its gross value, clearing the balance (minus a fee) when the client pays.
Who Is This Solution Suitable For?
How UK Businesses Use This in Daily Operations
Designed to deliver seamless, uninterrupted trading across busy customer environments.
Bulk Stock & Inventory
Bulk buy seasonal stock at supplier discounts to protect trading margins.
Premises Expansion & Fit-Out
Open additional venues, upgrade customer dining areas, or renovate retail displays.
Working Capital & Cash Flow
Smooth out seasonal revenue fluctuations, VAT bills, and supplier commitments.
Key Benefits for Your Business
Fast Cash Release
Receive up to 90% of invoice value in your bank account within 24 hours of billing.
Grows with Your Turnover
As your sales expand, your available borrowing facility increases automatically.
Confidential Discounting Options
Maintain your own credit control so your customers are unaware of the finance facility.
Important Considerations & Limitations
Financial and payment solutions must be evaluated transparently. Here are key factors to consider prior to applying:
Transparent Fee & Pricing Factors
Every business carries a different transaction profile. Your final costs are calculated based on:
- ✓Service fee (typically 0.5% – 2.5% of ledger turnover)
- ✓Discount margin on advanced funds
How to Get Started with Invoice Finance & Factoring
Invoice Issuance
Raise an invoice for completed B2B goods or services as normal.
Instant Advance
Lender advances up to 90% into your account within 24 hours.
Final Settlement
When your customer pays, the lender remits the remaining 10% minus their fee.
Eligibility & Documentation Checklist
To streamline underwriting and account verification, ensure your business satisfies standard UK criteria:
Frequently Asked Questions about Invoice Finance & Factoring
Will my customers know I am using invoice finance?+
With Confidential Invoice Discounting, your customers never know; you continue collecting payments under your own name. With Invoice Factoring, the lender manages the collections ledger transparently.
Ready to Explore Invoice Finance & Factoring for Your Business?
Speak with our UK payment and commercial finance team today for a transparent, bespoke comparison tailored to your trading volume.
Independent UK Consultancy • Transparent Rates • Dedicated Support