Our Services

Invoice Finance

Release cash tied up in unpaid invoices and improve your cash flow without taking on long-term debt. We compare factoring and invoice discounting options across the market to find the right fit.

Overview

What Is Invoice Finance?

Invoice finance allows you to release cash that is locked in your outstanding invoices. Instead of waiting 30, 60, or even 90 days for customers to pay, you can access the majority of an invoice's value within 24 hours of raising it. It is one of the most effective ways to improve cash flow for businesses that trade on credit terms.

There are two main types: factoring, where the provider manages your sales ledger and collects payment from your customers, and confidential invoice discounting, where you maintain full control over customer relationships and collections. Both release working capital, but they suit different businesses and preferences.

Invoice finance is ideal for B2B businesses with regular invoicing. Whether you are a recruitment agency, manufacturer, wholesaler, or professional services firm, releasing the value of work you have already completed lets you reinvest in growth, meet payroll, and take on larger orders with confidence.

Benefits

Why Choose Invoice Finance?

Improve Cash Flow

Unlock cash tied up in unpaid invoices and put it to work in your business immediately.

No Long-Term Debt

Invoice finance is not a loan. You are simply releasing the value of work you have already completed.

Grows With Your Turnover

Your facility increases as your sales grow. The more you invoice, the more funding is available.

Quick Access to Funds

Receive funds against your invoices often within 24 hours of raising them.

Confidential Options

With confidential invoice discounting, your customers never need to know you are using a finance facility.

Bad Debt Protection

Optional credit protection means you are covered if a customer fails to pay.

How It Works

Invoice Finance In 3 Simple Steps

Share Your Needs

Tell us about your business, your invoicing patterns, and your cash flow requirements.

Compare Options

We compare invoice finance providers across the market to find the best rates and terms for you.

Get Funded Fast

We handle the application process and get your facility set up so cash starts flowing quickly.

FAQ

Common Questions About Invoice Finance

What's the difference between factoring and invoice discounting?

With factoring, the finance provider manages your sales ledger and collects payment from your customers on your behalf. With invoice discounting, you retain full control of your sales ledger and customer relationships. Both release cash against your unpaid invoices, but invoice discounting is confidential, meaning your customers do not know a third party is involved.

How much can I borrow against my invoices?

Typically, you can release between 70% and 90% of the invoice value upfront, with the remainder (minus fees) paid when your customer settles. The exact percentage depends on your industry, customer base, and the provider. We compare options to find you the best advance rate.

Will my customers know?

Not necessarily. If you choose confidential invoice discounting, your customers will have no idea you are using a finance facility. With factoring, the provider contacts your customers to collect payment, so they will be aware. We help you decide which option suits your business best.

How quickly can I get set up?

Many invoice finance facilities can be set up within 1 to 2 weeks, and some providers offer even faster turnarounds. Once in place, funds are typically released within 24 hours of raising an invoice. We guide you through the process to minimise delays.

Ready to Compare Invoice Finance Options?

Let us find the best invoice finance solution for your business. Free, no-obligation comparison from across the whole market.

Compare Your Funding Now 0161 871 9840