Invoice Finance

Unlock cash tied up in outstanding invoices
100% confidential facilities available
Smarter than an overdraft
Quick and easy to transfer existing facilities
Connects Directly to your Accounting package

Invoice Financing

If you rely on an overdraft, invoice finance could be a smarter solution. Instead of borrowing against your future, you’re unlocking cash that’s already yours — tied up in unpaid invoices. We’ll advance up to 90% of your invoice value, usually within 24 hours, so you can keep growing without waiting for customer payments to land.

Invoice Finance bridges the gap between the point at which you make a sale and the time payment is received from the debtor, which is usually 30 to 120+ days.

Get immediate access to cash without a Business Loan

Invoice finance works for any business that wants to release money from their invoices more quickly, improve cash flow, or spend less time chasing late payments.

Smarter than an overdraft – release money from your sales, not from your future
No personal guarantees (on some facilities)
Confidential facility – your customers won’t know
Rolling monthly agreement – no long-term lock-in
Only pay for what you use – no set-up or idle charges
We connect directly into your accounting package – seamless and automated
You stay in control – continue to manage your customer relationships

FAQ's

Q: Is this a loan?
A: No – it’s a facility secured against your outstanding invoices. You’re not borrowing in the traditional sense.

Q: Will my customers know?
A: No – most invoice discounting facilities are completely confidential.

Q: Can I choose which invoices to fund?
A: Some providers offer selective invoice discounting – others will fund the full sales ledger.

Q: Can I add bad debt protection?
A: Yes – non-recourse options are available, which protect you if a customer doesn’t pay.

Q: Do I need to change how I do credit control?
A: Not necessarily – you can keep your existing processes in place. However, strong credit control is encouraged.

More information about Invoice Finance

Invoice Finance is a is a form of short-term borrowing in which a company uses its unpaid customer invoices as collateral to secure a loan or cash advance from a financial institution. This practice helps businesses to access funds tied up in outstanding invoices, providing them with the liquidity needed to meet immediate financial obligations, invest in growth, or take advantage of new opportunities.

Applicability:

Invoice discounting is particularly suitable for privately owned SME's with B2B sales and a steady stream of invoiced sales.

Process:

A business delivers goods or services to its customers and issues an invoice with payment terms.
Instead of waiting for the customers to pay within the agreed credit period, the business can choose to sell the invoice to a financial institution at a discount.
The financial institution advances a percentage of the invoice value to the business immediately, typically ranging from 70% to 90%.
Once the customer pays the invoice, the financial institution releases the remaining balance to the business, minus a fee.

Advantages:

Improved Cash Flow: Invoice discounting provides businesses with quick access to cash, enabling them to meet their operational expenses promptly.
Flexibility: It offers flexibility as businesses can choose which invoices to discount, allowing them to tailor the solution to their specific cash flow needs.

Costs and Fees:

The cost of invoice discounting includes the discount fee, which is a percentage of the total invoice value. The discount fee is influenced by factors such as the creditworthiness of the business's customers, the volume of invoices, and the terms of the invoice.

How our Invoice Finance Works

Instead of Invoicing your customer, and waiting for them to pay according to the invoice terms, you sell your invoice onto us, which you will then be paid 90% of the value up front.

Notify your customers of change in bank details