Invoice Finance & Discounting
Unlock up to 90% of unpaid B2B customer invoices within 24 hours of billing.
Invoice finance releases immediate operational liquidity tied up in your debtor book, advancing up to 85% to 90% of the gross value of outstanding commercial invoices within 24 hours of issuing them.
Indicative commercial parameters aligned with Bank of England base rate environments and British Business Bank 2026 SME Finance Market standards. Final facility size, security requirements, and terms are determined solely by the underwriting criteria of the relevant third-party commercial lender. Available exclusively to active UK entities on the Companies House register.
Understanding invoice finance & discounting.
Rather than waiting 30, 60, or 90 days for corporate clients to settle, your business receives working cash immediately to pay staff, replenish stock, and bid on larger contracts.
Facilities can be established as confidential invoice discounting (where your company retains full control of your credit control and customer relationships) or full invoice factoring (where the funder manages collections).
BusinessLending.uk is an introducer, not a lender. We do not provide personalised financial advice. Nothing on this page is advice, an offer, or an indication that finance will be available to your business.
Real businesses, real timing, real trading patterns.
Whether it fits, and how it can be built.
General indicators only. Providers set their own criteria and reach their own decisions.
This may be worth exploring if…
- You sell goods or services to other businesses (B2B) on standard credit terms
- Your invoices represent completed work, signed delivery notes, or verified timesheets
- A substantial proportion of your working capital is tied up in your unpaid sales ledger
- You want a funding facility that grows automatically alongside your rising turnover
Common structures within the category
- 01
Confidential Invoice Discounting (CID)
Your company retains full control of sales ledger management and credit control. Your customers are unaware of the facility, sending payments to a trust bank account in your name.
- 02
Full Invoice Factoring
The lender manages credit control and debtor collections on your behalf, with an assignment notice on invoices. Suitable for businesses wishing to outsource credit management.
- 03
Selective / Spot Invoice Finance
Funding applied selectively to specific high-value customer accounts or individual invoices, rather than committing the entire sales ledger.
- 04
Bad Debt Protection (Non-Recourse)
An optional insurance layer that protects your business if an approved customer becomes insolvent and fails to pay their invoice.
Discuss your invoice finance & discounting requirement.
Tell us the purpose, approximate amount and preferred timing. We will review the parameters and discuss which finance routes may be relevant.
BusinessLending.uk is a commercial finance introducer, not a lender. No upfront fees. Subject to provider assessment.
What a provider wants to understand before deciding.
- Purpose of the funding and how it supports the business
- Trading history and turnover
- Profitability and repayment capacity
- Existing borrowing and commitments
- Credit profile of the business and its directors
- Any security available, including personal guarantees
- Quality, diversity, and creditworthiness of the debtor book (concentration risk limits)
- Contractual terms of trade, proof of delivery processes, and historic credit note ratios
- Past bad debt history and customer dispute frequency across the sales ledger
Costs vary by provider, product, amount, term and the risk presented. We do not quote rates on this website because pricing is set by the provider following their own assessment. Some facilities are unsecured; others require security over an asset, a debenture, or a personal guarantee. Any costs, fees and security requirements are set out by the provider in writing before you commit.
Documents worth having to hand
Checklist- Latest filed accounts
- Recent management accounts, where available
- Three to six months of business bank statements
- A short summary of what the funding is for
- Details of existing finance agreements
- Up-to-date aged debtor analysis report with customer contact details
- Sample customer contracts, purchase orders, delivery notes, and standard terms of trade
Nothing here is mandatory before you contact us — it simply makes the first conversation more productive.
Invoice Finance & Discounting — frequently asked
Straightforward answers on how invoice finance & discounting works for UK limited companies, typical lender criteria, and what to prepare before enquiring.
Every business and enquiry is distinct. If you have a specific question, our team is happy to talk through your circumstances without obligation.
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Talk through invoice finance & discounting for your business.
Share the purpose, approximate amount and preferred timing. We will review the requirement and discuss possible next steps.
BusinessLending.uk is a commercial finance introducer, not a lender. No upfront fees. Subject to provider assessment.