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Invoice finance, in the forms that matter.

Every facility we help arrange does the same fundamental thing: it releases cash against invoices you have already raised. The differences are in who collects, who knows, and how much of your ledger is involved.

Discuss your optionsCompare factoring and discounting
The umbrella term

Invoice Finance

A way for businesses that sell on credit terms to access a proportion of the value of unpaid invoices before customers pay.

Invoice finance explained
Funding plus collections

Invoice Factoring

Release cash against unpaid invoices while the provider manages credit control and collects payment from your customers.

How factoring works
Funding, you keep control

Invoice Discounting

Draw funds against your sales ledger while continuing to run your own credit control, often without customers being aware.

How discounting works
Fund what you choose

Selective Invoice Finance

Finance individual invoices or specific customers as the need arises, rather than committing your whole sales ledger.

How selective finance works
How to choose

The right structure follows from how your business operates.

These questions narrow it down quickly.

  1. 01

    Do you want someone else to chase payment?

    If credit control is a strain, factoring hands collections to the provider's team.

    Invoice factoring
  2. 02

    Do you need your customers not to know?

    Confidential invoice discounting keeps collections and the relationship with you, subject to the provider's criteria.

    Invoice discounting
  3. 03

    Is the gap occasional rather than constant?

    A selective facility funds particular invoices or customers without a whole-ledger commitment.

    Selective invoice finance
  4. 04

    Not sure where to start?

    Begin with how invoice finance works in general, then the differences become clearer.

    Invoice finance explained
Questions

Choosing between the structures

What is the difference between factoring and invoice discounting?
In factoring, the provider typically manages credit control and collects payment from your customers, so the arrangement is usually disclosed. In invoice discounting, you keep control of your sales ledger and collections, and the facility can often be confidential. Factoring tends to suit businesses that want collections support; discounting tends to suit those with established processes.
Will my customers know?
With factoring, usually yes. With invoice discounting, often not: many providers offer confidential facilities where your customers continue to pay you as normal. Whether confidentiality is available depends on the provider's assessment of your business.
How much does invoice finance cost?
Costs typically comprise a service fee, often expressed as a percentage of turnover, and a discount charge on the funds advanced, similar to interest. Some facilities also carry minimum fees or additional charges for services such as bad debt protection. Pricing varies with your turnover, debtor quality and the facility structure. We will make sure you understand the full cost before you commit.
Can I switch invoice finance providers?
Yes, businesses move between providers fairly regularly. Your existing agreement will set out a notice period and possibly exit fees. A new provider will usually manage the transition, including repaying the outgoing provider. We can help you assess whether switching makes sense and how to handle it cleanly.