Finance solutions
Invoice Finance
Unlock cash tied up in unpaid customer invoices instead of waiting 30, 60 or 90 days to be paid.
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Often suits
- B2B businesses that invoice on credit terms
- Growing firms whose cash is tied up in debtors
- Businesses taking on larger customers with long payment terms
Typically used for
- Paying suppliers and wages while waiting for customer payments
- Funding growth without taking on a term loan
- Taking on bigger contracts with confidence
If your customers pay on credit terms, a large share of your cash can be sitting in unpaid invoices. Invoice finance lets you draw down a proportion of that money as soon as you raise the invoice.
Types of invoice finance
- Invoice factoring: the lender advances funds and manages collections.
- Invoice discounting: you keep control of collections; usually confidential.
- Selective invoice finance: fund individual invoices or customers.
Is it right for you?
Invoice finance tends to suit businesses that sell to other businesses on credit terms. The facility can grow as your sales grow. We will explain how each option works and what it costs so you can decide.
Questions about invoice finance
What is the difference between factoring and invoice discounting?
With factoring, the lender usually manages your sales ledger and collects payments from customers. With invoice discounting, you keep control of collections and customers usually do not know a lender is involved.
How much of an invoice can I receive?
Lenders typically advance a percentage of each invoice and pay the balance, minus their fees, when your customer pays. The exact percentage depends on the lender and your customers.
Can I finance a single invoice?
Some lenders offer selective or single-invoice finance, so you can choose which invoices to fund.
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This page gives general information, not financial advice. Finance is subject to status and each lender's criteria. Bridgemead Finance is a broker, not a lender.
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