B2B Working Capital
Invoice Finance
Turn unpaid invoices into working capital without waiting for customers to pay.
Limit grows with
Your sales
Cost
Fees while invoices are funded
Best for
B2B businesses
Up to about 85% upfront
Illustrative example only. Real quotes are subject to lender requirements, credit assessment, and facility terms.
With invoice finance, a lender advances a large share of the value of your unpaid invoices, often around 85%, within a day or two of you raising them. When your customer pays, you receive the remainder minus the lender’s fees.
Your funding limit grows as your sales grow, which makes it a natural fit for businesses that sell on credit terms and need cash to keep operating while they wait.
Paying staff and suppliers without waiting on customers
Funding growth when each new contract ties up more cash
Reducing the risk of late-paying customers disrupting cash flow
Taking on larger orders with confidence
Funding that scales with your sales
Fees apply only while an invoice is being funded
No need to offer property or equipment as security in most cases
Some facilities include credit control, which can save you time chasing payments
Fees usually combine a discount charge and a service fee, so compare the full cost
Some contracts have minimum terms and notice periods
With factoring, the provider may contact your customers about payment
Not suited to businesses that mainly invoice consumers