What is the difference between factoring and invoice discounting?

Factoring includes credit control: the lender collects payment from your customers. Invoice discounting is confidential; you keep control of collections and your customers are unaware a facility is in place.

How much of an invoice can I release?

Typically 80–90% of the invoice value is advanced within 24 hours of raising it, with the balance (less fees) paid when your customer settles.

Do I have to finance all my invoices?

No. Selective or single-invoice finance lets you fund only the invoices you choose, which suits businesses with occasional large orders or seasonal peaks.

All solutions

Invoice Finance for UK Businesses

Release up to 90% of the value of your unpaid invoices within 24 hours and stop waiting 30, 60 or 90 days to get paid.

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What can you finance?

Confidential invoice discounting
Full-service factoring with credit control
Selective or single-invoice finance
Construction finance for applications for payment
Export and international invoices
Bad debt protection alongside the facility

Who can we help?

B2B businesses invoicing on credit terms
Recruitment, logistics, manufacturing and wholesale companies
Fast-growing firms outgrowing their overdraft
Businesses with a few large customers on long terms
Companies wanting to outsource credit control

How much can you borrow?

Up to 90% of invoice value

Advances of 80–90% are paid within 24 hours of raising an invoice, with the balance (less fees) when your customer pays. Facilities scale automatically with turnover, from £50,000 to £10m+ debtor books.

How quickly can funding be arranged?

Live in 1–2 weeks

Terms within 48 hours of reviewing your sales ledger. Set-up, including customer notifications where applicable, usually takes one to two weeks, and first funds can be drawn the same day the facility goes live.

Underwriting

What do lenders look for?

Knowing what underwriters weigh up lets us present your case properly the first time, which means faster decisions and better terms.

01Quality and spread of your customer base
02Invoice terms, disputes and dilution history
03Sector and contract structure
04Bookkeeping and ledger management
05Trading history and management accounts

FAQ

Invoice Finance questions

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