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    Invoice finance for the print and packaging industry

    Protect your business against long payment terms, upfront costs and seasonal demand peaks. Invoice financing can release 90% of your invoice value within 24 hours.

    What is invoice finance for print and packaging?


    Print work for retailers, agencies, publishers and fast moving consumer goods (FMCGs) typically run on 30-90 day terms, and late payments are an ongoing concern to printing companies, according to the British Printing Industries Federation (BPIF). Invoice finance helps you bridge this gap by unlocking the cash in your unpaid invoices. Instead of waiting weeks or months for payments, you can ease liquidity pressure, allowing your business to meet your operating costs.

    How does invoice finance for print and packaging work?


    Invoice finance advances 90% of your invoice value as soon as they are raised – typically in 24 hours. Crucially, because funding is linked to your sales ledger, it automatically goes up and down as your turnover changes. This allows greater flexibility, especially important for seasonality and up-front material costs like paper, board, ink, plates and finishing materials.

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    Benefits of invoice finance for the print and packaging industry

    Bridge the gap between production and payment

    Paper and board price inflation plus the high energy demands of printing presses can cause costs to increase unexpectedly during a contract. Invoice financing gives relief to cash flow pressure, scaling naturally as you invoice more, to help you navigate these industry challenges.

    Fund larger orders and seasonal demand

    A large packaging run or catalogue job ties up enormous working capital in one contract and, without funding, some businesses might have to turn away valuable opportunities because of the strain on cash flow. Seasonal orders bring pressure too. Harness invoice funding as a scalable financial solution to give you greater flexibility and room to grow.

    Maintain smooth supply chain operations

    Paper suppliers often require short terms or pro-forma payment, presses and finishing equipment carry heavy monthly repayments, and payroll and overtime spikes must be honoured. By releasing 90% of invoice value, you can keep your supply chain operations running efficiently.

    Cash flow challenges facing print and packaging businesses

    Long customer payment terms

    Up to 90 days payment window can put pressure on businesses, not to mention the issue of late payments. Invoice finance releases funds earlier and using invoice factoring reduces the time and effort spent chasing overdue invoices.

    Large upfront production costs

    Upfront materials are often bought and paid for before the invoice is even raised, squeezing your business at both ends. Invoice finance for printing and publishing companies turns your sales ledger into a reliable source of working capital that grows in line with your turnover.

    Rising paper, board and material costs

    Navigate the challenges of buying printing material in bulk, volatile input prices, negotiating better costs, upgrading machinery and managing unpredictable production cycles more effectively. Get greater flexibility and take control of your cashflow.

    Invoice finance products for print and packaging businesses

    Invoice discounting

    You retain credit control and collections. Once invoices are raised, we advance 90% of their value, usually with 24 hours. This allows your team to keep processes unchanged, while unlocking a discrete, scalable working capital that grows alongside your business.

    Invoice factoring

    This works the same as invoice discounting but we manage your credit control and customer collections for you, allowing you to focus on other business needs. Invoice factoring is particularly suited to fast growing printers, small in-house finance teams and those with large seasonal jobs.

    Asset based lendng

    Your presses, stock and property can unlock additional funding alongside an invoice finance facility – especially suited to larger print and packaging businesses funding acquisitions, major contracts or new equipment. Achieve higher levels of financing funding than through traditional cash-flow-based lending alone with asset based lending.

    Invoice discounting facility supports a printing firm with growth plans


    A West Yorkshire print and procurement business secured a £1 million invoice discounting facility from Close Brothers. This funding helped to unlock working capital to support growth, customer service and future success.

    Read this case study

    Frequently asked questions

    How much funding can I access?

    We advance up to 90% of your unpaid invoice value, so your funding capacity grows with your turnover. Try our invoice finance calculator for an indication of how much cash you could unlock, or speak to us for more information.

    What types of print and packaging businesses use invoice finance?

    Commercial, digital and 3D printing businesses, packaging and label manufacturers, signage firms and publishers all use invoice finance – typically those invoicing retailers, agencies or FMCG brands on credit terms. Larger firms often combine it with asset based lending for additional funding.

    Can invoice finance help fund large print orders?

    Yes – because funding is linked to your sales ledger, a large order increases your available funding rather than straining it. You can cover the paper, board and production costs of bigger contracts without turning work away or renegotiating your facility.

    Is invoice finance suitable for print businesses?

    Yes – print businesses usually invoice other businesses on long payment terms, which is exactly the gap invoice finance is designed to bridge. Releasing 90% of each invoice, typically within 24 hours, eases the pressure of upfront material and payroll costs.

    • How much funding can I access?

      We advance up to 90% of your unpaid invoice value, so your funding capacity grows with your turnover. Try our invoice finance calculator for an indication of how much cash you could unlock, or speak to us for more information.

    • What types of print and packaging businesses use invoice finance?

      Commercial, digital and 3D printing businesses, packaging and label manufacturers, signage firms and publishers all use invoice finance – typically those invoicing retailers, agencies or FMCG brands on credit terms. Larger firms often combine it with asset based lending for additional funding.

    • Can invoice finance help fund large print orders?

      Yes – because funding is linked to your sales ledger, a large order increases your available funding rather than straining it. You can cover the paper, board and production costs of bigger contracts without turning work away or renegotiating your facility.

    • Is invoice finance suitable for print businesses?

      Yes – print businesses usually invoice other businesses on long payment terms, which is exactly the gap invoice finance is designed to bridge. Releasing 90% of each invoice, typically within 24 hours, eases the pressure of upfront material and payroll costs.

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