Invoice finance specialists

Invoice finance provides 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.

What is invoice finance?

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 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

What type of financing is right for my business?

Compare how our different types of facilities work

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

Invoice factoring

Your invoices

1. Raise an invoice

2. We pay you up to 90% instantly

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.

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.

Recovery Loan Scheme

The Recovery Loan Scheme (RLS) aimed to help businesses affected by Covid-19 and can be used for business purposes, including, managing your cashflow, investment and growth.

What types of industries use invoice finance?

A diverse range of industries like recruitment, manufacturing, healthcare, engineering and many others, successfully use our invoice finance solutions.

We bring together a team of specialists with extensive experience and knowledge across a broad range of industries that are committed to finding the right funding strategy for your business.

See some of our latest partnerships