Invoice Factoring • Invoice Financing • Inspired Factoring UK

0330 122 7120

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  • Get up to 90% of your unpaid invoices
  • Rates start as low as 0.2% and allow you to extend customer payment terms
  • Can include collections or be confidential so your clients are unaware of the engagement

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  • Get up to 90% of your unpaid invoices

  • Rates start as low as 0.2% and allow you to extend customer payment terms
  • Invoice collections included so you can focus on business

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What Is Invoice Finance?

  • Invoice finance is a way for businesses to borrow money based on amounts due from customers. It helps businesses improve cash flow, pay employees and suppliers, and reinvest in operations and growth earlier than they could if they had to wait until their customers paid them
  • You pay a percentage of the invoice amount to the lender as a fee for borrowing the money
  • It can solve problems associated with customers taking a long time to pay and difficulties obtaining other types of business credit

How Does It Work?

  • Invoice finance can be structured in a number of ways, most commonly discounting and factoring
  • With invoice discounting, the company sells its outstanding invoices to a lender, who might pay the company up to 90% of what the invoices are worth, up front. When the clients pay their invoices, the business repays the lender, minus a fee. Customers will be unaware of this arrangement which protects their image
  • As an alternative, a business could use invoice factoring, which is similar to invoice discounting except that the lender, not the business, collects payments from customers, so customers are aware of the arrangement.

What’s In It For You?

  • You can help your business grow by using invoice finance to get access to cash quickly and easily. Cash is released as soon as orders are invoiced and is available immediately
  • You have peace of mind that within approximately 24 hours of presenting your sales invoice to the invoice finance company, up to 90% of its value will be in your bank account
  • With discounting, the arrangement is confidential so your clients are unaware that you are borrowing against the value of their invoices. You manage your clients’ accounts and retain a close working relationship with them
  • With factoring, you can free up your time to manage your business by putting a third party in charge of your sales ledger
  • The invoice finance market is very mature and competitive in the UK and allows you to access strong deals with finance providers

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