Invoice Finance
Turn invoices into immediate cash
Why wait 30, 60, or 90 days for customers to pay? Invoice finance unlocks the cash tied up in your receivables, improving cash flow without traditional debt.
Example
$100,000
invoice due in 60 days
Benefits
Why use invoice finance?
Immediate cash flow
Access up to 80-90% of your invoice value within 24-48 hours, instead of waiting 30-90 days for payment.
No property security
Your invoices are the security. No need to put up property or other assets as collateral.
Grows with you
Your facility grows as your sales grow. The more you invoice, the more you can access.
Flexible facility
Use it when you need it. Only pay for what you use, not a fixed loan amount.
Process
How invoice finance works
Issue your invoice
You deliver goods or services to your customer and issue an invoice as normal.
Submit to lender
Upload the invoice to the finance provider's platform (usually simple and automated).
Receive advance
Receive 80-90% of the invoice value within 24-48 hours, credited to your account.
Customer pays
Your customer pays the invoice. The lender releases the remaining balance minus fees.
Options
Types of invoice finance
Different structures suit different needs. We'll help you choose the right option for your business.
Invoice Factoring
The lender takes over collection of your invoices. Your customers pay the lender directly. Can include credit protection.
Invoice Discounting
You maintain the customer relationship and collect payments yourself. The facility operates behind the scenes.
Selective Invoice Finance
Finance specific invoices as needed, rather than your whole ledger. Good for occasional cash flow gaps.
Is It Right For You?
Invoice finance is suited for
Invoice finance works best for businesses that invoice other businesses (B2B) and have reliable customers. It's not typically suited for retail or consumer businesses.
- Businesses with B2B customers (invoicing other businesses)
- Growing businesses where cash flow lags behind sales
- Seasonal businesses with fluctuating cash needs
- Businesses with long payment terms (30-90 days)
- Companies wanting to take on larger orders
- Businesses without property to use as security
Improve your cash flow
Let's discuss if invoice finance is right for you
Book a free consultation and we'll assess your options.