Invoice finance specialists

Invoice finance provides you with a steady cash flow injection by releasing the capital locked up in unpaid invoices.

Whether you want to improve your cash flow, grow your business or acquire another, we will take the time to really understand the complexities of your operation and tailor a package to meet your specific needs.

How does it work?

Invoice finance allows you to access up to 90% of the value of your unpaid invoices the moment they are raised, then once the payment has been settled, you will receive the balance minus a pre-agreed fee.

Unlike a traditional overdraft or loan, this type of funding grows in line with the business turnover and works as a flexible solution to regulate your cash flow. Your ability to access funds increases relative to the value of your outstanding invoices.

A diverse range of industries, from wholesale and manufacturing through to recruitment and healthcare, successfully use our invoice finance facilities.

Types of finance we offer

Invoice discounting

Entirely confidential
24/7 access to your funds, worldwide
Instant access to funds from new invoices
You manage your sales ledger and customer relationships
Our software eliminates paperwork and laborious month-end reconciliations

Invoice factoring

Funding with a collections service
Same day access to funds from new invoices
Our discreet and friendly credit management team will liaise with your customers and manage payments
You will have your own online account to enable you to view your facility whenever you need to

Asset based lending

Raise higher levels of funding
Appropriate for large organisations
Supports growth and strategic events
Funding that is tailored to your company and your specific requirements
It blends invoice finance with funds released against other business assets

Our products explained

Invoice discounting

Your invoices

1. Raise an invoice

2. We pay you up to 90% instantly

3. You liaise with your customer for payment

4. You receive the balance when the invoice is paid

Factoring

Your invoices

1. Raise an invoice

2. We pay you up to 90% the same day

3. We collect payment on your behalf

4. You receive the balance when the invoice is paid

Asset based lending

Add ons

These optional add-ons can be bolted on to your invoice finance facility:

Bad debt protection

Eliminate risk from customer insolvency with bad debt protection. It enables you to operate safe in the knowledge that you will not be impacted by bad debts if your customers are unable to pay you.

Whilst some other providers will only agree up to 90% cover, we offer up to 100% protection on accounts pre-approved by our Credit Management Team.

Liquidity plus

If you need additional short term finance to help in scenarios such as periods of rapid growth, or peaks in trading, Liquidity Plus can help you to release up to 100% of the value of your invoices, enabling you to access additional funding when you need it most.

It can be bolted on to your facility at times when your business needs an immediate cash injection.

Coronavirus Government Loan Schemes

The Coronavirus Business Interruption Loan Scheme (“CBILS”) and the Coronavirus Large Business Interruption Scheme (“CLBILS”) can provide working capital for businesses in the UK who are experiencing lost or deferred revenues due to coronavirus.

Under the scheme, we can offer government-backed loans up to £5m (CBILS) or up to £100m (CLBILS) on top of your invoice finance facility.

News and insights

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Get a quote

Call our team today on

0127 305 9530

to find out which solution is right for your business

* Please note our minimum criteria is a projected turnover above £500k. It may be difficult for us to assist if you are below that level.