Factoring or invoice discounting?
Both release cash from unpaid invoices; the difference is who runs the sales ledger. With factoring, the funder manages collections - useful when chasing payment eats your week. With invoice discounting, you keep collections in-house and the facility stays confidential, so your customers deal with you exactly as before.
Lenders price the two differently and each has sector appetites - recruitment, haulage, manufacturing and construction all have specialists. We place your ledger with the funder whose appetite matches it, and an adviser walks you through the honest cost structure before anything is signed.
When invoice finance is the right tool.
Slow-paying customers
Strong sales on 60-90 day terms - the work is done, the cash just hasn't arrived yet.
Recruitment and contractors
Contractors need paying weekly while clients pay monthly. The facility closes that gap, permanently.
Funding the next order
Wholesale and manufacturing cycles where today's invoices fund tomorrow's production run.
Growth without a loan
The facility scales with your sales ledger - more invoicing means more headroom, with no fixed repayments.
How it works
Four steps. No jargon, no waiting rooms.
Tell us what you need
A 30-second enquiry. No credit check to get started.
Terms inside 48 hours
We match your case across 90+ lenders and come back with real numbers.
Track it in your portal
Documents, your portfolio and progress - one place, no email chains.
Funded
We drive the paperwork through to completion. You do the deal.
A typical invoice finance case
Questions, answered.
Will my customers know?
Only if you want them to. Confidential invoice discounting keeps the facility invisible - customers pay a trust account and deal with you as normal. With factoring, the funder manages collections openly, which many businesses prefer.
What does it cost?
Typically two parts: a service fee on turnover and a discount charge on funds drawn, both set by the ledger's size and quality. Your adviser sets out the all-in cost on your numbers before you commit to anything.
Do we qualify?
The core test is simple: you're a UK business invoicing other businesses on credit terms. Sector, concentration and ledger quality shape which funders fit - that's the matching we do.
How fast can the facility start?
Terms typically come back inside 48 hours, and new facilities commonly go live within a couple of weeks - then each new invoice releases cash within a day or two of being raised.
Talk to a human.
Two minutes to enquire, no credit check to get started. Or skip the form entirely - an adviser answers this number.
020 3861 3469Monday to Friday, 9am - 6pm · Whole-of-market