Invoice Finance
Stop waiting for customers to pay. Turn your unpaid invoices into immediate working capital. Access 80-95% of your invoice value within 24 hours, so you can pay suppliers, cover wages, and grow your business without cash flow constraints.
80-95% advance rate. Funds within 24 hours. No property security required.
Your Invoices Are Your Greatest Asset
You have done the work. You have delivered the goods or services. You have issued the invoice. But now you wait - 30 days, 60 days, sometimes 90 days or more - for your customer to pay. Meanwhile, you still need to pay suppliers, cover wages, and keep your business running.
Invoice finance solves this cash flow gap. By using your unpaid invoices as security, you can access the majority of their value immediately - often within 24 hours. This is not a loan against your property or personal assets. Your invoices themselves are the collateral.
Whether you choose invoice factoring or invoice discounting, you get the cash you have already earned, when you need it - not when your customers decide to pay.
How Invoice Finance Works
Instead of waiting 60+ days for the full $100k, you have $85k in your account tomorrow.
Use it to pay suppliers, cover wages, or seize new opportunities.
Why Use Invoice Finance?
Unlock the cash tied up in your unpaid invoices
Immediate Cash Flow
Stop waiting 30, 60, or 90 days for customer payments. Access up to 95% of your invoice value within 24 hours.
Based on Your Invoices
Your invoices are the security, not your property or personal assets. As your sales grow, so does your available funding.
Improve Business Operations
Pay suppliers on time (or early for discounts), cover wages, and invest in growth without waiting for payments.
Flexible Facility
Finance individual invoices or your whole ledger. The facility grows with your business and sales.
Invoice Factoring vs Invoice Discounting
Two types of invoice finance to suit different business needs
Choose Factoring If:
- •You want to outsource credit control and collections
- •You are comfortable with customers knowing about the arrangement
- •You have lower invoice volumes
Choose Discounting If:
- •You want the arrangement to remain confidential
- •You have strong credit control processes in place
- •You have higher invoice volumes
The Invoice Finance Process
Fast, simple, and designed for business-to-business invoicing
Issue Your Invoice
You deliver goods or services to your customer and issue an invoice as normal, with payment terms of 30-90 days.
Submit for Finance
Submit the invoice to your finance provider. They verify it and advance you 80-95% of the invoice value within 24 hours.
Customer Pays
Your customer pays the invoice at the due date. Depending on the arrangement, they pay the financier directly or pay you.
Receive the Balance
Once payment is received, you get the remaining balance minus the financing fee. Then finance more invoices.
Checking your options won't affect your credit score
Industries That Benefit from Invoice Finance
Any B2B business with credit terms can benefit, but these industries use it most
Recruitment & Staffing
Cover wages while waiting for client payments
Wholesale & Distribution
Fund inventory while invoices are outstanding
Manufacturing
Bridge long production and payment cycles
Transport & Logistics
Cover fuel and operating costs immediately
Trade Contractors
Fund jobs without waiting for progress payments
Professional Services
Manage cash flow on large project invoices
Is Invoice Finance Right for You?
Invoice finance works best for B2B businesses with the following characteristics:
Invoice Finance at a Glance
Invoice Finance FAQs
Common questions about invoice factoring and discounting
Invoice finance is a type of funding that allows businesses to access the cash tied up in unpaid invoices. Instead of waiting 30, 60, or 90 days for your customers to pay, you can receive up to 80-95% of the invoice value within 24 hours. The finance provider then collects payment from your customer (factoring) or you collect and repay them (discounting).
With invoice factoring, the finance provider manages your sa...
With invoice factoring, the finance provider manages your sales ledger and collects payments directly from your customers - your customers know you are using factoring. With invoice discounting, you continue to manage customer relationships and collections yourself - it is typically confidential and your customers do not know you are using finance. Discounting usually requires larger volumes and stronger credit control.
You can typically access 80-95% of your invoice value upfron...
You can typically access 80-95% of your invoice value upfront, depending on the lender, your industry, and your customers creditworthiness. The remaining 5-20% (minus fees) is released when your customer pays. There is usually no upper limit - as your sales grow, so does your available funding.
Invoice finance typically involves two types of fees: a serv...
Invoice finance typically involves two types of fees: a service fee (usually 0.5-3% of invoice value) and a discount fee (interest on the advanced amount, similar to an overdraft rate). Total costs vary based on volume, your customers, and the type of facility. We will get you clear quotes with all fees explained.
This depends on the type of facility. With invoice factoring...
This depends on the type of facility. With invoice factoring, yes - payments are redirected to the finance provider and your customers will be aware. With invoice discounting, the facility can be confidential and your customers continue paying you as normal, unaware of the arrangement.
Invoice finance is popular with businesses that sell goods o...
Invoice finance is popular with businesses that sell goods or services to other businesses (B2B) on credit terms. It is especially useful for recruitment agencies, wholesalers, manufacturers, transport companies, trade contractors, and professional services firms with long payment cycles.
Not necessarily. Some facilities require whole turnover (all...
Not necessarily. Some facilities require whole turnover (all invoices), while others offer selective invoice finance where you choose which invoices to fund. Selective facilities offer more flexibility but may have higher fees per invoice.
You generally need: to be a B2B business invoicing other bus...
You generally need: to be a B2B business invoicing other businesses, invoices with payment terms of 30-90 days, a minimum monthly turnover (often $50,000+), and customers with reasonable credit. We work with various providers to find options for different business profiles.
Still have questions? Contact our friendly team