Invoice Discounting
Get the money you’re owed in 24 hours
Advance up to 90% of your invoice value
- Improve your cash flow
- UK & overseas invoices accepted
- Sector-specific support
- No effect on credit score
Advance up to 90% of your invoice value
Free service. No impact on your credit score.
You’ll have a dedicated Client Manager and a UK‑based team who tailor your facility to your business goals.
We support B2B firms across sectors such as construction, manufacturing and recruitment.
You can use our Invoice Discounting facility no matter who you’re currently banking with.
Benefit from decades of experience delivering invoice finance solutions to UK businesses.
View balances, request payments and oversee your facility online from any device.
After completing your work, you send your customer an invoice.
Up to 90% of that invoice value can be advanced to you straight away.
When the customer pays, you receive the remainder minus the agreed fee.
Checks are carried out without affecting your credit rating.
Your available funding increases as your debtor book grows.
Access up to 90% of each invoice in a range of currencies.
Improved cash flow means you can negotiate supplier discounts.
Invoice discounting gives you early access to cash tied up in your unpaid invoices. Instead of waiting for customers to pay, you can receive up to 90% of the invoice value in advance. It's a confidential service, and you continue managing your own customer relationships.
After you raise an invoice, you send it to us and up to 90% of the value can then be made available early to support your cash flow. When your customer pays the invoice in full, the remaining balance is released to you minus our agreed fees.
The cost isn't the same for every business. Invoice finance pricing depends on factors like your turnover, the number of invoices you raise and the type of service you choose. You'll be given a clear outline of any fees during the application process so you can see exactly what applies to your business.
Invoice discounting is usually a confidential arrangement, meaning you keep control of your customer relationships and they typically won't be aware of the facility.
Debtor protection is an optional add‑on that helps safeguard your business if a customer can't pay what they owe. It works alongside invoice finance and covers a large portion of the invoice value if a client fails to pay, whether that's because of financial difficulty or insolvency. It's essentially a safety net that reduces the risk of bad debt and gives you a bit more confidence when offering credit terms to customers.
This type of facility supports established businesses with a minimum turnover of £100,000 per annum. Your business must also sell business‑to‑business on credit terms and use an accounting software package. It's commonly used in industries such as construction, haulage, manufacturing, and recruitment, but we can assist most B2B sectors.
Yes, you'll have a dedicated Client Manager and access to a UK‑based support team who are available to guide you through setup and ongoing use of the facility. Your Client Manager will ensure the solution aligns with your trading patterns and goals.