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Invoice Finance Solutions

Invoice finance is the catch-all term for products that turn your unpaid invoices into ready-to-use cash.
 
You’ve done the work, delivered the goods, used the materials, put in the hours. But instead of waiting 30, 60, or 90 days for your customer to pay, invoice finance gets you the money now. It’s simple: Get Paid, Stay Sane.

 

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Products and Key Points

 

Invoice Discounting

Unlock cash from unpaid invoices to smooth your cash flow

Key Points

  • Unlock up to 90% of your invoice value upfront

  • You stay in control of your own credit management and customer relationships
  • The remaining 10% is released once your customer pays
  • Modern online portals make it easy to upload invoices and access funding
  • Optional bad debt protection if your customer can’t pay
  • Prefer your own cover? We can help you find a stand-alone credit insurance policy tailored to your needs
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Factoring

Funding, plus full credit control, handled by the lender

Key Points

  • Unlocks cash tied up in unpaid invoices

  • Includes full credit control - a dedicated team chases payments for you
  • Ideal for businesses without in-house credit control or back-office capacity
  • Lets you focus on growing your business, not chasing debt
  • Confidential options available - customers see your branding, not the lender's
  • Feels like an extension of your own team, managing cash flow without the stress
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Spot Factoring

Pick your invoices. Unlock your cash.

Key Points
  • Only fund what you need - no long-term commitment
  • Ideal for one-off deals or occasional cash flow gaps
  • Keep control of your customer relationships
  • Quick approval and fast funding
  • No impact on your wider sales ledger
  • Trial run friendly - dip your toe without changing your whole setup
  • Good fit for seasonal peaks - cover busy periods without long tie-ins
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Trade Finance

Funding that keeps your supply chain moving smoothly at home or overseas

How it helps
  • No more upfront supplier stress - helps you cover your supplier payments so your cash isn't tied up before the goods even ship
  • Cash flow that actually flows - keep operations running and opportunities moving - no more waiting around for invoices to clear
  • Confidence to trade bigger - say yes to larger orders, better pricing and international deals without the cash crunch
  • Tailored, flexible funding - we match you with the right lender who understands your supply chain and business rhythm
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Business Loans

Because sometimes a straightforward loan is the right tool for the job

How it helps
  • Simple and familiar
    A clear repayment plan with fixed terms - no surprises
  • Suited for longer-term needs
    Works well for assets, projects and growth plans with longer horizons
  • Predictable Costs
    Know exactly what you'll repay each month, making budgeting easier
  • Flexible amounts and terms
    Borrow what you need, over a timescale that fits  your plans
  • Keeps other funding options open
    Can be used alongside invoice or trade finance without conflict
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Bad Debt Protection

Because one unpaid invoice shouldn't derail your business

How it helps
  • Protects your cashflow
    Even if a customer fails, you still get paid - keeping your working capital intact
  • Covers insolvency and non-payment
    Safeguards you against customers who can't pay and those who simply won't.
  • Confidence to grow
    Take on bigger orders or new customers without worrying about bad debt risks
  • Strengthens borrowing power
    Lenders see insured invoices as lower risk, often unlocking better funding terms
  • Tailored cover
    Choose protection across your whole ledger, or just for key accounts
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