Invoice Finance

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What is Invoice Finance?

Invoice finance is an incredibly powerful form of funding that allows your business to unlock unpaid invoices immediately instead of having to wait for payment.

If you run a business that has clients that pay you on terms of 30 days or more then using an invoice finance facility will help to alleviate cash flow problems, preventing your business from having to slow down.

There are many forms of invoice finance including selective, factoring, and discounting, and construction finance, all of which can be tailored to your specific needs. You can even keep your Invoice Finance facility confidential if preferred.

Our experts are here to answer any of your questions so feel free to get in touch today!

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Types of Invoice Finance

Selective Invoice Finance

Selective invoice finance, also known as spot factoring, allows you to unlock funds against one or more unpaid invoices. Selective invoice finance does not require you to sell your whole sales ledger, meaning it is an extremely flexible and easy to use finance facility for your business.

Invoice Factoring

Invoice Factoring

Invoice factoring is the most widely used form of invoice finance available. Allowing you to unlock up to 95% of the cash tied up in invoices while saving substantial amounts of time and effort chasing customer payments and running credit control.

Invoice Factoring Business Finance

Invoice Discounting

Invoice discounting is a very popular choice and allows your business to sell its sales ledger, but unlike invoice factoring, credit control stays in-house. This means your customers will not know that you are using an invoice discounting facility, keeping the whole process completely confidential.

Invoice Discounting Business Finance

Construction Finance

Construction finance is a specialist funding solution for the construction sector. It allows your business to unlock unpaid invoices instead of waiting for them to be paid. Each facility is completely bespoke, and the amount you can borrow grows in line with your business.

Construction Invoice Finance

How Invoice Finance Works

Your business is different to everyone else’s so we use our 20+ years of expertise to align you with the perfect invoice finance facility for your needs. It’s as easy as 1, 2, 3…

Step 1
Raise invoices
Depending on your chosen facility, either you or your chosen 3rd party will raise an invoice to your customer in the usual way.
Step 1
Step 2
Release funds
Send a copy of the invoice to your lender who will unlock up to 95% of the invoice value as a cash sum paid directly into your account.
Step 2
Step 3
Completion
Once your customer has paid the invoice, the lender pays you the remaining balance minus their fee.
Step 3

If your company does not meet the criteria then don’t worry – our expert team can offer a whole array of options tailored to your specific business needs. Just contact us to find your ideal solution.

Release cash in your unpaid invoices

FAQs

This will depend on the requirements needed and the type of business but can include a personal guarantee, fraud indemnity, or debenture.

Yes. All of our partners are members of ABFA, and adhere to the ABFA rules and regulations that oversea items such as transferring between lenders. In most cases a fee will be incurred for early termination of a contract, however moving your facility to a different provider can often result in savings and other benefits.

Credit history is not the main thing that lenders look for when assessing whether a company is eligible for invoice finance. Instead, the company ledger will more often than not be the determining factor.

It depends on how much the company has tied up in unpaid invoices, but it can be as little as £10,000 and as much as £50m.

Invoice Finance facilities can be setup in as little as 48hrs. The process may differ depending on the company and its needs, but invoice finance facilities are very quick to set up in comparison to other forms of finance.

Invoice finance is such a fundamental financial instrument for modern day businesses that there is no reason to worry that your clients or customers will have any issue with it, however if for any reason your business would prefer confidentiality then we can offer that service too.

Documentation needed will depend entirely upon the complexity of your business, and the ideal facility.

The short answer is none, as invoice finance can be accessed by new start-ups.

The short answer is yes but will depend upon the company’s individual circumstances.

Reform Financial - Finance, Restructuring, Insolvency

Reform Financial help thousands of companies and individuals to find the right financial support. The main benefit of speaking with us is that we do not offer advice, but instead we can give you a comprehensive understanding of all of our services, and guide you through the process should you decide that one of our solutions is for you. If you need more information please feel free to visit our Complaints Policy and Privacy Policy.

Reform Financial Limited is registered in England and Wales under company number 13084762.  Reform Financial Limited does not administer or provide advice relating to any business finance products. Reform Financial Limited can introduce applicants to a number of finance providers based on the applicants circumstances. Reform Financial Limited do not charge for this service but may receive a commission from lenders or other brokers for such introductions.

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