Business Finance
Turn your sales ledger into working capital.
Release up to 90% of unpaid invoices within 24 hours of raising them.
- Advance rate
- Up to 90% of invoice value
- Minimum turnover
- From £50,000 turnover
- Speed
- Day one advance in 24 hours
- Structure
- Confidential options
What it is
Factoring, invoice discounting and selective single invoice finance all release cash against unpaid invoices, but they differ in who your customers see. Under a confidential discounting facility, your customers never know the ledger is financed. Under factoring, the funder manages collections directly, so they will know.
The real use case is funding growth when debtor days stretch, not distress. Two costs sit on top of the facility: a service fee charged on turnover and a discount margin charged on funds drawn. We keep these separate so you can compare competing quotes on the same basis rather than a single blended number that hides which lender is actually cheaper.
Who it suits
- B2B businesses waiting 30 to 90 days to be paid
- Growing companies whose working capital is trapped in the ledger
- Businesses that want to fund one large invoice rather than the whole book
- Owners who want a confidential facility their customers never see
Start an enquiry
Tell us what you need to fund.
How it works with us
01
We look at your debtor book: spread, concentration and payment history
02
We choose factoring, discounting or a selective facility to match how much control you want
03
Terms return within 24 hours, with the first advance typically following just as fast
04
Funds release against invoices as you raise them, on a rolling basis
Questions
Related products
You might also need.
Trade Finance
Pay suppliers before your customer settles the invoice.
£50,000 to £5m
Business Loans
Unsecured and secured lending against turnover and bank conduct.
£25,000 to £5m
Merchant Cash Advance
An advance repaid as a share of daily card takings.
£5,000 to £500,000
Or see the full range of commercial finance we arrange.
