Invoice Finance



Invoice Finance

  • Invoice Discounting
  • Invoice Factoring
Invoice Discounting

Invoice Discounting is a fully confidential facility which will help you access your working capital before you receive payment from your customers.

These funds may be used to pay staff, purchase additional stock and pay ongoing bills, or help you to achieve additional discounts from your own suppliers for prompt payment of their bills which may help you to improve your profits. How much money is released is dependent upon circumstances but typically up to 85% of invoices can be accessed.

Many Banks and specialist Invoice Finance companies will also have an option to protect your sales ledger against bad debts.  This type of protection can also be arranged independently via specialist Insurance Brokers – please talk to us if you would like to know more.

Invoice Factoring

If you sell Business to Business on credit terms and feel that support in collecting your debt would be useful, then Factoring may be an option to consider.

Once again, you may be able to obtain up to 90% of the funds tied up in your invoices (usually within 24 hours), with the balance of funds being received (fewer fees and costs) when your customer pays the invoice in full.

The Factor works on behalf of your Business- fully managing the sales ledger and collecting money owed by customers.   Any fees payable will take account of providing this additional debt collection service.

Many Banks and specialist Invoice Finance companies will also have an option to protect your sales ledger against bad debts.  This type of protection can also be arranged independently via specialist Insurance Brokers – please talk to us if you would like to know more.

If your Business operates in a Business to Business environment on credit terms, then you may be able to gain access to the funds tied up within your invoice ledger sooner.  Some types of Business are more likely to use Invoice Discounting than others as they will always need to pay staff ahead of receiving the money for their services.  This type of finance can stand alone from your Business Bank.


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