Invoice Finance
Stop waiting 30, 60, or 90 days to get paid. Invoice finance turns your unpaid invoices into immediate cash — advancing up to 90% of the value within a day, so you can invest in growth instead of chasing debtors.
What isInvoice Finance?
Invoice finance is a funding facility secured against your outstanding sales invoices. Instead of waiting for clients to pay on their terms, a lender advances a percentage of each invoice's value (typically 80–90%) within 24 hours of you issuing it. When the client pays, the lender releases the remaining balance, minus their fee. There are two main types: invoice factoring (the lender collects payment directly from your clients) and invoice discounting (you retain control of collections — the facility is invisible to your clients).
Best for:
- You have B2B clients on 30–90 day payment terms
- Your growth is constrained by cash tied up in receivables
- You want to offer longer payment terms to win bigger contracts
- Seasonal businesses with large invoices concentrated in certain months
- Rapidly growing businesses where sales are outpacing cash flow
- Businesses importing goods with long lead times between payment and sale
Why businesses chooseInvoice Finance.
Same-Day Advances
Cash in your account within 24 hours of raising the invoice — no more waiting for client payment cycles.
Grows With You
The facility scales automatically with your sales ledger — the more you invoice, the more funding you access.
Confidential Options
Invoice discounting keeps the facility invisible to your clients — you maintain direct relationships.
Credit Control Included
With factoring, the lender handles payment collection and credit control, freeing up your team.
Lenders offering Invoice Finance
+ 30 more specialist lenders
Specialist Tip
Invoice discounting is usually cheaper than factoring, but factoring includes credit control services. If you have a strong internal credit control team, discounting makes sense. If you'd rather outsource collections, choose factoring.
More ways tofund your business.
Ready to explore invoice finance?
One request puts you in front of multiple lenders. No impact on your credit score, and never a penny more than going direct.