If customers owe money but suppliers, payroll or tax are due now, invoice finance may bring forward cash tied up in eligible receivables.
Initial discussion and assessment only. A formal lender enquiry occurs only with your consent.
Lenders look at the customers paying the invoices, not just your business.
Purchase orders, delivery proof and undisputed invoices make assessment easier.
Factoring, discounting and selective invoice finance can differ in visibility, control and cost.
Prepare an aged debtors report, sample invoices, customer details, trading terms, bank statements and evidence that goods or services were delivered.
Invoice finance is linked to receivables. A line of credit is generally linked to borrower cash flow, security and lender appetite. The right answer depends on what creates the cash gap and how predictable the repayment source is.
We organise the information, test lender fit and keep the process moving.
Tell us what has happened, what the funds are for, how much is needed and when a decision is required.
We review conduct, cash flow, security, documents and policy fit before choosing a sensible lender path.
We organise the facts into a clean submission so the lender can understand the purpose, numbers and risks.
You see structure, cost, conditions and next steps before deciding whether to proceed with a formal application.
It depends on the structure. Some facilities involve customer notification; others may be confidential. This must be checked before proceeding.
Usually not in the same way, because classic invoice finance is generally built around business-to-business invoices on payment terms.
No. Strong debtor management remains important because disputed or slow invoices can affect availability and cost.
We can help check whether your receivables are likely to support a finance conversation.