Turn unpaid business invoices into working capital sooner.
If customers pay on 30–90 day terms, invoice or debtor finance can bring forward part of the cash already owed to your business.
- Designed for businesses invoicing other businesses on trade terms
- Use cash for payroll, stock, suppliers and growth while customers are still paying
- Compare confidential, disclosed and selective structures where available
The sale is made. The cash has not arrived yet.
Invoice finance uses eligible receivables as the funding base rather than waiting for every customer to pay.
Bring forward cash to keep the supply chain moving.
Reduce the mismatch between wages and customer payment terms.
A receivables-linked facility can scale as eligible invoicing grows.
Receivables finance behaves differently from fixed debt.
The key question is whether your funding need naturally grows with invoices.
| Invoice finance | Term loan |
|---|---|
| Funding is linked to eligible receivables | Fixed loan amount at settlement |
| Can grow as invoices grow | Usually requires a new approval to increase |
| Often does not require property security | Security varies by lender |
| Cost is tied to facility and usage structure | Interest is charged on the loan balance |
Common questions
What is invoice finance?
Invoice finance allows a business to access funding against eligible unpaid customer invoices instead of waiting for the normal payment term.
Do my customers have to know?
That depends on the product. Some invoice-discounting structures can be confidential, while factoring or disclosed facilities involve customer notification or collections.
Is property security required?
Receivables are the primary funding base for many invoice-finance facilities, so property security may not be required. Lender terms vary.
Ready to check the finance options?
Start with the amount, purpose and business profile.