Our products

Our invoice finance products

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 provides your business with a steady cash flow injection by releasing the capital locked up in unpaid invoices.

We pay up to 90% of the value of your invoices the moment they are raised, then once the payment has been settled, you will receive the balance minus a small 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.

What is invoice finance

How does it work?

There are two approaches to financing your invoices - invoice discounting and invoice factoring. Both work in exactly the same way, by releasing cash from the value of your invoices on the day you raise them. The only difference is that with invoice discounting you maintain responsibility for your own credit control, whilst with factoring this function is managed by the invoice finance provider.

←Watch our "What is invoice finance" video guide for more information.

Types of invoice finance we offer

Your invoices

Raise an invoice
We pay you up to 90% instantly
You liaise with your customer for payment
You receive the balance when the invoice is paid

Which type of finance is right for my business?

Key differences between invoice discounting, factoring and ABL

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

Find out more

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’ll have access to your own online account to enable you to view your facility whenever you need to

Find out more

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

Find out more

What types of businesses use invoice finance?

A diverse range of sectors from manufacturing and engineering through to recruitment and healthcare successfully use our invoice finance solutions.

It is particularly suitable for businesses struggling with clients’ 30 day+ payment terms as you are able to access your cash as soon as the invoice is raised, rather than waiting until the following month or longer.


These optional add-ons can run alongside your invoice finance facility

Bad debt protection

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.

Find out more about bad debt protection


Liquidity Plus

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.

Liquidity Plus can be bolted on to your facility at times when you need an immediate cash injection.

Find out more about Liquidity Plus