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Invoice Financing

Invoice financing is a great cash flow solution for companies issuing invoices who may be waiting weeks or months to get paid. 

Don’t wait for your invoices to get paid. Invoice finance allows you to unlock cash flow immediately.

We have strong working relationships with a wide variety of lenders.

This means that, whatever your requirements are, we’re able to connect you with the right lender at the right time for the right price. 

Everything we do is tailored to your organisational needs. It’s our job to find the perfect finance option for you.

How do invoice finance brokers work?

A factoring lender will lend against your customer invoices, enabling you to receive a large percentage of your invoices immediately. 

They will also run credit control to recover any outstanding or overdue invoices on your behalf, saving you time and money. 

When your customer has paid, you will receive the remaining invoice value minus the invoice company’s fees. This solution is a great cash flow option if you are starting out and need help covering up front costs before invoices are paid.

Book your No obligation, free open discussion meeting today!

Our process

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Have an initial discussion about your options with our specialists

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Request requisite information from you and your business

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We’ll create a bespoke solution for you

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We connect you with the right lender

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Secure funding for your business!

Our invoice finance options

Invoice factoring

Invoice factoring is the process of selling your unpaid invoices to a third-party company. This company will then take over pursuing the debt, and you get your money immediately. 

This can be a great way to unlock the cash flow you need to grow your business.

Invoice discounting

In a similar way to factoring, discounting allows you to gain instant access to money tied up in unpaid invoices. 

Consider invoice discounting as a series of short-term business loans, where the invoice is security. The lender knows you’re owed money, so will lend you most of it before the customer pays. Once they pay, you cover the loan and any fees. 

The main difference between the two is that invoice discounting doesn’t delegate credit control, meaning that it’s still your job to chase any late payments. This allows you to maintain a relationship with your customer, and disguises the fact that you’re using invoice financing.

The benefits of invoice finance

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Unlock immediate cash flow

If your business issues invoices that have a term of thirty days or more, invoice finance can be a great way to alleviate any cash flow droughts that occur.

Delegate credit control

With invoice finance, your invoice finance company will run credit control on your behalf, meaning you’ll never need to chase a late invoice again.

Boost flexibility

As you grow, you may be eligible for a reduction in invoice company rates/an increase in the invoice finance limit – so the finance option grows alongside you.

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Invoice Financing

Our mission

Built on a long heritage of business finance, our traditional approach is centred around you, your business and your needs. 

No algorithms, no over-complicated process, no complex application forms, just our people, taking the time to get to know you and your business, before using our highly knowledgeable and creative underwriting techniques to connect you to the right funding at the right time.

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01473 553 430

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    Frequently Asked Questions

    What is invoice finance?

    Invoice financing is the process of borrowing against unpaid invoices up to 95% of their value. If you have clients with invoices outstanding, you can take a loan out against them. When the invoices are paid, you clear the debt. This allows you to get the funds you need significantly quicker, allowing you to reinvest in your business.

    How does invoice finance work?

    Generally, invoice financing works as follows:

    1. You have invoices that are waiting to be paid.
    2. You need funds now, so you contact an invoice finance lender.
    3. The lender assesses your invoices and provides a sum of money (up to 95% of the invoice amount).
    4. You gain this money immediately. Once invoices are paid, you clear off your debt and any associated fees.
    What is an invoice finance facility?

    Invoice finance facilities are where a lender uses unpaid invoices as collateral for your loan. Once invoices are paid, you clear your debt.