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      Invoice factoring shaped
      around your business needs


      Ease the strain on your business by releasing funds from your
      unpaid invoices while a credit management team look after the
      collection of payments on your behalf.

      We work with businesses across a range of industries including
      manufacturing, recruitment, engineering, and various service
      sectors.




      Why choose Close Brothers Invoice Finance?

      

      Product options

      From invoice finance, invoice factoring and invoice discounting to asset‑based leasing, our flexible funding solutions help improve cash flow by unlocking capital tied up in unpaid invoices.

      Finance experts

      With decades of invoice finance expertise, we help businesses thrive. We have been named Best Asset Based Lender by Business Moneyfacts for 12 consecutive years.

      Leading software

      Our IDeal™ platform gives you secure, real‑time access to cash 24/7, seamlessly integrating with your accounting software and supported by the long‑standing expertise of the Close Brothers.

      Tailored finance

      Each facility is structured to grow with your turnover and changing cash flow needs, providing a confidential and adaptable alternative to traditional business finance.

       

      What our customers say

      We were anxious about switching after 15 years, but the Close team guided us seamlessly, answered every question, and proved to be genuinely down‑to‑earth and approachable individuals.
      Long standing relationship has helped our business to grow. Account manager is readily available to support us. Good response from credit control team when any issues arise. Factoring and discount charges represent good value for money.
      Close Brothers Invoice Finance are breath of fresh air; the transfer has been smooth and there is a real willingness to help, which is in part to the strong preparation and relationship built pre commencement. Both client managers have been excellent and very pro-active since commencement.
      We have found Close Brothers extremely helpful throughout 2025. During the year we encountered cash flow issues and bottlenecks which we were able to discuss with Close Brothers and immediately we were supported in our requirements.
      Close Brothers have been with us from day one and they have always made an effort to understand the company and wanted to see us succeed. I have never felt the need to look elsewhere for funding.

       



      Invoice factoring benefits


      Improved cash flow management


      Invoice factoring allows you to access funds tied up in unpaid invoices rather than waiting for customer payment. This helps support day‑to‑day operating costs and cash flow planning.

      Funding grows with your sales


      As your invoicing increases, the level of funding available can also increase. This makes invoice factoring suitable for businesses experiencing growth or fluctuating sales volumes.

      Reduced reliance on overdrafts


      Invoice factoring provides an alternative source of working capital linked to your sales ledger. This can help reduce reliance on overdrafts or short‑term borrowing facilities.

      Save time chasing late payments


      Invoice factoring saves time by outsourcing the chasing of late payments, reducing admin work. This frees up time to focus on running and growing the business.


       

      No requirement for property security


      Funding is typically secured against invoices rather than property or other fixed assets, making it accessible to businesses without significant security.

      Predictable working capital


      With funding linked directly to your invoices, businesses gain greater visibility over incoming cash flow. This can support budgeting, planning, and operational decision‑making.






       

      Find out how we can help
      your business

      Upcoming events and success stories

      Helping a steel business transition to new ownership with invoice finance

      CASE STUDIES
      02 Jun 2026

      Supporting long-term planning with confidential invoice discounting

      CASE STUDIES
      13 May 2026

      How GMS Group keeps cash flow moving as it grows

      CASE STUDIES
      23 Apr 2026

      Sales Sprint Global accelerates with invoice factoring

      CASE STUDIES
      07 Apr 2026

      Financing a buy-in management buyout (BIMBO) with day‑one working capital

      CASE STUDIES
      24 Mar 2026

      Invoice discounting helps Talent Forte to grow

      CASE STUDIES
      09 Mar 2020



       



      Case study:

      Sales Sprint Global accelerates

      with invoice factoring


      The challenge:

      Long payment terms from large customers, combined with upfront supplier costs are putting ongoing pressure on working capital. As the business grew and secured larger contracts, rising order sizes and customer concentration increased cash flow strain.


      Existing invoice finance failed to scale with growth, limiting stock purchases and restricting the ability to pursue new opportunities. The firm needed a sector aware funding partner that could support growth and day‑to‑day operations.


      The solution:

      Close Brothers provided an invoice factoring facility with Bad Debt Protection and a Growth Guarantee Scheme (GGS) to align funding with rapid growth.


      Factoring released immediate working capital, scaled with turnover, and included credit control support, while Bad Debt Protection helped manage customer non‑payment risk (subject to terms). A GGS top‑up increased overall headroom, enabling the business to fund inventory, meet supplier terms, and take on new distribution contracts.


      The facility has since been increased twice, ensuring funding continues to support the next phase of growth.



       

      Speak to our industry
      experts for more information


      Our step-by-step process


       

      Fill out our short form

      To find out how we can support you and your business, please complete our form.
      It only takes a few minutes.

      Speak with our finance experts

      Our dedicated invoice discounting specialists will contact you to discuss your needs and provide more information about our products and services.

      Receive a tailor-made finance plan

      We will develop a flexible repayment plan matching your payment schedule with your seasonal income.



      Business Moneyfacts award winners



      Close Brothers Invoice Finance has been named Best Asset Based Lender and Best Service from an Invoice Finance Provider at the Business Moneyfacts Awards 2026. The Business Moneyfacts Awards are recognised industry-wide and celebrate excellence across the business and finance sector. The awards acknowledge the outstanding service and products we offer to our invoice discounting, factoring and asset-based lending clients.



       

      Still got questions?

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      Invoice Factoring Solutions