Invoice Factoring
Access the money tied up in your unpaid invoices, fast, flexibly, and without traditional debt.
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What is Invoice Factoring?
Invoice factoring (also called invoice finance) allows you to unlock a significant portion of the value of your unpaid invoices immediately, rather than waiting for your customers to pay. We act as your broker to match you with lenders who then advance funds against your sales ledger.
How does Invoice Factoring Work?
Raise an invoice as normal when you make your sale
Copy the invoice over to your funder or factoring company
They’ll quickly verify the invoice before paying you up to 90% of the invoice total – instantly
By boosting your cash flow this helps you to pay bills, invest in stock and expand your business
Cut down the time you spend on credit control
Benefits & Flexibility
1. Cash when you need it – Convert unpaid invoices into working capital within days.
2. Keep control – Funding is based on your sales, not tied to fixed assets or property.
3. Grows with your business – Access more funding automatically as your turnover rises.
4. Stay focused – Free up time while we handle lender matching, setup, and ongoing support.
5. Confidence in your customers – Facilities often include credit checks and debtor management.
6. Ready for any climate – A flexible funding line that adapts to both busy and quieter periods.
Who It’s For
Ideal for:
• Businesses that invoice other businesses (B2B)
• Companies looking to unlock cash tied up in unpaid invoices
• Fast-growing firms that need flexible funding as sales increase
You might not qualify if:
• Your customers are mainly consumers (B2C)
• Your invoices are frequently disputed or unpaid
• Your business has minimal trading history or turnover
Popular Factoring Options
Frequently Asked Questions
What is the difference between factoring and invoice discounting?
Factoring includes credit control and collections handled by the lender, while discounting lets you manage your own debtor payments.
What rates and fees apply?
Fees vary by lender, industry, and turnover, but most charge a small service fee plus interest on funds advanced.
Will my customers know I’m using factoring?
In most cases, yes — the lender collects payments directly. If confidentiality matters, invoice discounting may suit you better.
Can startups / new businesses qualify?
Yes, some lenders support new or fast-growing businesses if they invoice other companies (B2B).
What happens if a debtor doesn’t pay / defaults?
It depends on the agreement — some facilities include bad debt protection, others require you to repay the advance.
Can I switch lenders later?
Yes, most agreements allow switching once your notice period ends. A broker can help you find a better fit.
Do I need to provide security / personal guarantee?
Usually not — invoices act as the main security. Some lenders may request a personal guarantee depending on risk.
Benefits & Flexibility
1. Cash when you need it – Convert unpaid invoices into working capital within days.
2. Keep control – Funding is based on your sales, not tied to fixed assets or property.
3. Grows with your business – Access more funding automatically as your turnover rises.
4. Stay focused – Free up time while we handle lender matching, setup, and ongoing support.
5. Confidence in your customers – Facilities often include credit checks and debtor management.
6. Ready for any climate – A flexible funding line that adapts to both busy and quieter periods.