Invoice Finance
Unlock cash tied up in unpaid invoices — factoring and invoice discounting compared for you.
Overview
What is invoice finance?
Waiting 30, 60 or 90 days for customers to pay holds back growth. Invoice finance advances most of an invoice's value within days, so cash flow keeps pace with sales.
Invoice finance lets a lender advance a percentage of your outstanding B2B invoices — up to 95% — then releases the balance, less fees, when your customer pays. Factoring includes credit control by the lender; invoice discounting leaves collections with you and is usually confidential. As an independent broker we compare facilities across our lender panel, and you can model the costs with our Invoice Discounting comparison tool.
Best for
- B2B businesses on 30–90 day payment terms
- Fast-growing firms whose sales outpace cash
- Recruitment, wholesale, manufacturing and services
- Businesses wanting funding that grows with turnover
In practice
Typical scenarios we fund
A recruitment agency funding weekly contractor payroll while clients pay on 45-day terms.
A wholesaler releasing cash from its sales ledger to take on a large new retail contract.
A manufacturer switching from factoring to confidential invoice discounting as it matures.
FAQs
Common questions
What's the difference between factoring and invoice discounting?+
With factoring the lender runs credit control and your customers usually know. With invoice discounting you keep collecting your own debts and the facility is often confidential.
How much can I release?+
Lenders commonly advance up to 95% of approved invoice value, depending on your sector, customers and debtor spread.
What does it cost?+
Costs usually combine a service fee (often a percentage of turnover) and a discount charge on funds drawn. Additional fees can apply — our comparison tool helps you see the full annual cost.
Do I need a personal guarantee?+
Many facilities ask for a director's warranty or personal guarantee. We'll explain what each lender requires before you commit.
Ready to explore invoice finance?
A quick eligibility check takes under two minutes. No credit search.