Invoice Finance

Invoice Finance

What is Invoice Finance?

Whether you’re looking to improve your cash flow or secure funds for expansion, invoice finance is a fantastic funding tool which supports businesses at any stage of the business lifecycle.

Invoice finance solutions release up to 90% of an invoice’s value within 24 hours of its issue. The remainder is then passed across once payment is received from the customer, less the invoice finance company’s fees.

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Advanced to UK businesses in Q2 2015


Increase in lending through invoice finance in last 5 years


Invoice finance users expecting to expand in next six months

Invoice discounting vs factoring?

The two most common invoice finance solutions are invoice discounting and factoring.

The primary difference is that, with factoring, the invoice finance company will provide a sales ledger management service to remove the burden from your business. This makes factoring particularly useful for smaller businesses whose resource would be better spent on core activities.

Both products can additionally incorporate bad debt protection to safeguard your cash flow against late payment and protracted default.

Which solution is right for my business?

Your invoice finance options

Invoice finance solutions can be tailored to suit the individual needs of your business.

It is also possible to fund single invoices rather than the entire sales ledger; for instance, those of a particularly high value or those supplied on longer-than-usual credit terms.

Read more about the different options here:

Invoice finance has been the ideal facility for us, helping to fund our cash flow and enabling us to grow at the rate we have. We couldn’t be happier.

Peter Doyle, Managing Director, NXP Europe Ltd

Funders we work with

  • Lloyds Bank Commercial Finance
  • Hitachi Capital Invoice Finance
  • Leumi ABL
  • Regency Factors
  • ABN AMRO Commercial Finance
  • Outsauce
  • Woodsford Tradebridge
  • Davenham Asset Finance
  • Bibby Financial Services
  • Ultimate Finance Group
  • Platform Black
  • 1pm
  • Creative Capital
  • Market Invoice
  • GE Capital
  • Factor 21
  • Ashley Commercial Finance
  • Nucleus Commercial Finance
  • Catalyst Finance
  • GapCap Cashflow Finance
  • Royal Bank of Scotland
  • Shawbrook Business Credit
  • Barclays
  • Davenham Trade Finance
  • Aldermore Invoice Finance
  • iwoca
  • First Capital Factors
  • Asset Advantage
  • Assetz Capital
  • Everline
  • Positive Cashflow Finance
  • Secure Trust Bank
  • Innovation Finance
  • Trade Finance Partners
  • Team Factors
  • IGF Invoice Finance
  • Partnership Invoice Finance
  • Calverton Finance
  • Close Brothers Invoice Finance
  • Legion Trade Finance
  • Skipton Business Finance
  • Metro Bank SME Finance
  • Santander Corporate & Commercial
  • Pulse Cashflow Finance
  • PNC Business Credit
  • Working Capital Partners

Authorised and Regulated by the Financial Conduct Authority
Hilton-Baird is an Independent Introducing Agent (Broker) and not a Lender

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