Invoice Finance

 Looking to improve cash flow without taking out a traditional loan? Invoice finance could be the answer. It’s a short-term funding solution that lets you access money tied up in unpaid invoices, giving your business a smoother path to growth, stability and control. 

Invoice finance allows businesses to access funds based on the value of outstanding customer invoices. Rather than waiting 30, 60 or even 90 days to get paid, you can release most of the invoice value within a few days of raising it. It’s a popular option for businesses needing to boost cash flow or bridge payment gaps.

Once you raise an invoice, the finance provider advances a percentage of its value, typically within 24 to 48 hours. When your customer pays, the remaining balance is paid to you, minus the lender’s fee. This keeps your cash flow steady while you continue delivering products or services.

It’s commonly used by businesses that invoice other businesses on credit terms. If you offer 30-day or longer payment terms and experience delays in receiving payments, invoice finance could be a useful tool to maintain stability. Providers typically look at the reliability of your customers as part of the application process.

With factoring, the lender may manage your sales ledger and credit control on your behalf, meaning they may contact your customers directly. Invoice discounting, on the other hand, keeps you in control of collections, and your customers may not even be aware you’re using finance. We’ll help you choose the right setup for your business needs.

Not necessarily. Some providers offer selective or spot invoice finance, which lets you raise funds against individual invoices rather than your whole book. This can work well for businesses that only need occasional support or want to stay in full control of their cash flow strategy.

The amount you can access depends on the value of your invoices, your customers’ payment behaviour and your business profile. Most lenders release a high percentage of the invoice value upfront. We’ll help you understand what’s possible and ensure the terms are a good fit for your cash flow.

Once the facility is in place, you can receive funds quickly after submitting an invoice, sometimes within a day. The initial setup takes a little longer, as lenders need to understand your invoicing process, customers and volumes. We’ll guide you through the process so things move as smoothly as possible!