Customer Solutions

Invoice Finance Solutions

Release working capital from unpaid invoices and improve day-to-day cashflow.

Funding against approved invoices
Fast access to working capital
Facilities tailored to your ledger
Competitive lenders

How it works

Invoice finance is a simple and flexible process designed to improve cash flow quickly.

You issue an invoice to your customer

A lender advances a percentage of the invoice value, typically up to 90%

Your customer pays the invoice as normal

The remaining balance is released to you, minus any agreed fees

This allows you to access funds almost immediately, rather than waiting for payment terms to be completed.

Quotes in 3 Simple Steps

Your funding requirements

Turn your sales ledger into accessible working capital

Invoice finance can help bridge the gap between raising an invoice and receiving payment, giving your business faster access to cash that would otherwise stay tied up in receivables.

That can support payroll, stock purchases, supplier commitments, and growth opportunities without waiting for standard customer payment terms to catch up.

For many businesses, it offers a flexible alternative to relying on overdrafts or unsecured working-capital borrowing alone.

What is Invoice Finance?

Invoice finance is a funding solution that allows businesses to unlock cash tied up in unpaid invoices.

Instead of waiting 30, 60, or even 90 days for customers to pay, you can access a large percentage of the invoice value upfront, helping to improve cash flow and keep your business running smoothly.

This makes invoice finance an effective way to maintain working capital without taking on traditional debt.

Types of Invoice Finance

There are two main types of invoice finance, depending on how you want to manage your customer relationships and collections process.

Invoice Factoring

With invoice factoring, the lender takes responsibility for managing your sales ledger and collecting payments from your customers. Ideal for businesses looking to outsource credit control, reduce administrative burden, and improve efficiency.

Invoice Discounting

With invoice discounting, you retain control of your customer relationships and continue to manage collections yourself. It is a more confidential solution that suits established businesses with internal finance teams and greater control over customer interactions.