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Product

Invoice discounting

Confidential funding against your ledger

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What it is, in plain English.

Invoice discounting funds you against your sales ledger while you keep control of credit collection. Your customers never know a third party is involved.

Suited to established businesses with proven credit control and stronger trading histories.

How it works.

1

Upload the ledger

You share your sales ledger with the lender on a regular cycle.

2

Draw funds

Draw up to 90% of approved ledger value, on demand.

3

You collect

Your in-house team chases and collects payment from customers as normal.

4

Reconcile

Payments clear into a trust account and the facility rolls forward.

Best for

  • Established B2B businesses with own credit control
  • Turnover £500k+
  • Businesses prioritising customer relationships

Not the best fit

  • Brand new businesses
  • Sectors with high dispute rates
  • Businesses with concentrated debtor risk above 30%

What it costs.

Indicative ranges. Your exact pricing depends on turnover, sector and debtor quality.

Service fee
0.2 to 1%
Lower than factoring, you do collections
Discount fee
BoE base + 2 to 4%
Charged on funds drawn
Arrangement fee
One-off
Set at facility inception
Audit fees
Periodic
Lender-led ledger audits, typically quarterly or biannual

See what you'd release.

Move the slider to your typical invoice value. We'll show what hits your account and what it costs.

What's your invoice worth?

£50,000
£5k£500k
Released to you now£47,500
Held back until your customer pays£2,500
Time to fundsas little as 24 hours
See my full quote

No obligation. Speak to your broker for tailored terms.

Works particularly well for

ManufacturingWholesaleProfessional servicesConstruction

Common questions.

No. Invoice discounting is confidential, your customers continue to pay you directly and have no visibility of the lender.

Compare with other facilities