Invoice Finance

Invoice Finance is a flexible funding solution that helps businesses unlock the cash tied up in unpaid invoices. Instead of waiting for customers to pay, you can access a significant portion of your invoice value immediately, providing a steady cash flow to support your business operations.

This financial solution is particularly beneficial for businesses with long payment terms or clients who may take weeks or months to settle invoices.

By turning unpaid invoices into working capital, Invoice Finance ensures you have the resources you need to keep your business running smoothly.

Invoice Finance gives businesses access to funds based on unpaid invoices. Here’s how the two main types of Invoice Finance work:

With Invoice Factoring, your invoices are sold to a finance provider who takes responsibility for managing your sales ledger and collecting payments directly from your customers. Once you issue an invoice, the provider advances a percentage of its value (usually 70–90%). When your customer pays, the remaining balance is paid to you, minus the provider’s fees.

This option is ideal for businesses that want to outsource credit control and focus on other aspects of their operations.

Invoice Discounting allows you to maintain control over your customer relationships and collections while using your invoices as collateral for funding. You still issue invoices and collect payments as usual, but a finance provider advances a percentage of the invoice value upfront. Once your customer pays, you settle the advance along with any associated fees.

This type is better suited for businesses that prefer to keep their customer interactions in-house.

Both types of Invoice Finance provide fast access to working capital, ensuring your business can operate smoothly without waiting for lengthy payment terms.

Invoice Finance is ideal for businesses that:

Whether you’re a small business, a medium-sized enterprise, or a company scaling up, Invoice Finance provides the liquidity you need to stay competitive and seize opportunities.