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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£19.7
billion

Advanced to UK businesses in Q4 2015

32%

Increase in lending through invoice finance in last 5 years

70%

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

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

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