Commercial Finance
Invoice Finance to Release Cash From Your Sales Ledger
Invoice discounting and factoring arranged with specialist funders. Depending on the facility, you can typically draw up to around 90% of an invoice shortly after raising it, instead of waiting 60 or 90 days for your customer’s payment run.
- Founder-led brokerage
- Ormskirk based · UK-wide
- Broad panel of commercial lenders
Stop Funding Your Customers’ Payment Terms
If you invoice on 30, 60 or 90-day terms, you are effectively lending money to your customers while paying wages, suppliers and VAT in the meantime. Growth makes it worse: the more you sell, the wider the gap becomes.
Invoice finance closes it. A funder advances the bulk of each invoice as you raise it, then releases the balance less their fee when your customer pays. Because the facility grows with your turnover, it does not need renegotiating every time you win a larger contract.
Confidential invoice discounting keeps the arrangement invisible to your customers and leaves collections with you. Factoring hands credit control to the funder, which suits businesses without a dedicated finance function. Selective facilities let you fund single invoices or one customer only.
Explore Your Finance Options
Who It Suits
Invoice finance works particularly well for:
- Recruitment agencies funding weekly payroll on monthly terms
- Manufacturers and wholesalers with long lead times
- Construction and contracting firms with staged applications
- Haulage, logistics and transport operators
- Print, packaging and commercial services businesses
- Any B2B business where growth is outpacing cash
What This Means for You
Cash that scales with sales
The facility grows automatically as your ledger grows — no reapplying every time you land a bigger client.
Stronger supplier position
Reliable cash means early settlement discounts and better terms, which often offset a meaningful share of the cost.
Credit control off your desk
With a factoring facility, chasing payment becomes the funder’s job rather than a Friday afternoon task.
The right structure, chosen properly
Discounting, factoring and selective facilities suit very different businesses. We will explain which one your ledger actually calls for.
Frequently Asked Questions
Will my customers know I use invoice finance?
Not with confidential invoice discounting — you continue to invoice and collect in your own name and the facility stays private. With factoring the funder manages collections, so customers do become aware, though it is now common enough to carry no stigma in most sectors.
What does invoice finance cost?
Usually two elements: a service fee, often somewhere around 0.5% to 3% of turnover, and a discount charge on the funds you draw, priced over base rate much like an overdraft. Pricing varies considerably by funder, sector and ledger quality, so treat those figures as a guide rather than a quote. Because you normally pay the discount charge only on what you draw, the cost tracks your usage rather than your facility limit.
What happens if a customer does not pay?
On a recourse facility the debt comes back to you after an agreed period, typically 90 to 120 days. Non-recourse facilities include bad debt protection so the funder carries approved customer insolvency risk, at a higher fee. We will talk you through whether that protection is worth buying for your ledger.
Discuss Your Funding Requirements
Tell us your turnover, your terms and your top customers, and we will show you what could be released from your ledger.