Arrange new invoice finance
Explore whether an established B2B debtor book could support an ongoing working-capital facility.
INVOICE FINANCE / ESTABLISHED UK COMPANIESInvoice finance for
Invoice finance for
substantial debtor books.
Complete the work. Raise your invoice. Release up to 95% of its value, often within 24 hours of submission, instead of waiting 30–60 days for your customer to pay.
Discuss your requirement
WORKING CAPITAL / NEW FACILITIES / REVIEWS
INVOICE FINANCE / AT A GLANCE
With an active facility, submit an eligible B2B invoice to your finance provider to receive an advance. When your customer pays, the remaining balance is released, less agreed fees.
The 24-hour timeframe applies to eligible invoices submitted under an active facility, not the initial enquiry or job completion alone. Advance rates and timing depend on provider approval, verification and terms. Focus: £500k+ facilities, including new arrangements, capacity increases and provider reviews.
- 01
Complete the work
Supply the goods or services and meet the relevant contract conditions.
- 02
Raise and submit
Send an eligible invoice under an active, approved facility.
- 03
Release working capital
Up to 95% with some providers, often within 24 hours of submission.
- 04
Customer pays
The remaining balance is released, less agreed fees.
The 24-hour timeframe is for eligible invoices submitted under an active facility, not the initial enquiry or completing the job alone. Advance rates, verification and timing depend on provider terms.
WHY CONSIDER A FACILITY?Support the cash cycle.
Support the cash cycle.
Give growth room to operate.
Payroll, suppliers and new trading commitments can fall due before customers pay. A facility needs to work with that timing.
Increase usable funding
Examine why availability is not keeping pace with invoicing, rather than assuming a higher limit solves it.
Review an existing provider
Consider cost, customer treatment, service or a renewal decision with the option to stay or renegotiate.
WHICH STRUCTURE FITS?Invoice discounting
Invoice discounting
or invoice factoring?
Keep credit control
- Collections
- Normally handled by your business
- Confirm
- Reporting and confidentiality conditions
Consider provider support
- Collections
- Provider involvement under the agreement
- Confirm
- Services, debtor contact and charges
Invoice discounting usually leaves day-to-day credit control with the business. Factoring typically includes provider involvement in ledger management and collections. The responsibilities and confidentiality arrangements depend on the agreement.
| Structure to discuss | What to establish |
|---|---|
| Invoice discounting | Credit-control responsibilities, reporting, reconciliation and drawing arrangements. |
| Confidential invoice discounting | Whether the proposed facility can operate confidentially and which conditions apply. |
| Invoice factoring | The collections service, debtor contact, service fees and operational handover. |
Product labels alone do not establish suitability. Debtor quality, customer concentration, disputes and the business’s processes all affect provider assessment.
COMPARE THE COMMERCIAL TERMSHow much cash
How much cash
can the business draw?
- 01
Eligible invoices
Apply debtor and invoice criteria.
- 02
Gross advance
Apply the agreed percentage.
- 03
Caps and reserves
Establish the actual limit and restrictions.
- 04
Cash to draw
Deduct what is already used.
Eligible invoices, advance rates, customer limits, reserves and current drawings determine available headroom. A £1m facility does not automatically mean £1m of cash.
A useful review uses the same ledger snapshot when comparing existing and proposed terms. Establish exclusions, any reserves already applied and the provider’s treatment of key customers before drawing conclusions.
Costs may include a service fee, discount or interest charge, minimum fees and additional charges. Check notice, termination costs, security and guarantees alongside the funding calculation.
WHAT MAKES A USEFUL INITIAL BRIEF?Start with the ledger
Start with the ledger
and the business objective.
Explain your turnover, typical monthly invoicing, major customer concentrations, current facility if any and the amount or change being sought.
The £500k+ focus is not an automatic eligibility rule. Provider appetite and the quality of the underlying receivables matter.
Discuss invoice financeIf a detailed assessment is appropriate
- Recent aged debtor ledger and customer concentration information
- Current facility terms and availability statement, if applicable
- Latest accounts and relevant management information
- Trading terms, material disputes and renewal or notice dates
No documents are needed on this page. Agree the purpose and suitable route before sharing financial records.
INVOICE FINANCE QUESTIONSBefore arranging
Before arranging
or replacing a facility.
Can invoice finance support an established company with 30–90 day payment terms?
It may be relevant where a business regularly waits for B2B customers to pay. The provider assesses invoice eligibility, debtor quality, concentrations and the underlying trade. A payment period alone does not establish suitability.
Can a larger facility be confidential?
Confidential structures may be available where the business and its credit-control processes meet provider requirements. Confirm debtor notification, collection and reporting terms; confidentiality is not automatic.
Should I switch invoice-finance provider?
Compare the actual improvement in funding or terms against exit costs and operational disruption. Staying, renegotiating or switching should each remain a possible outcome.
Is there a fixed turnover requirement?
No universal provider rule is stated by this website. Turnover, ledger size, debtor quality and structure affect the potential facility. Explain the trading profile so an appropriate route can be considered.
Does NBS submit an enquiry to every provider?
No blanket market submission is promised. Discuss relevant lender or intermediary routes and the information-sharing arrangements before a case progresses.
FURTHER READING / INDEPENDENT PRODUCT INFORMATIONBritish Business Bank: invoice finance Ultimate Finance: advance rates and funding times
General guidance does not establish NBS lender access, capacity or terms for your business.
TAKE THE DECISION FURTHERThe relevant
The relevant
next question.
The next step is a conversationBring us the requirement.
Bring us the requirement.
Let’s consider the possibilities.
Discuss your funding
No documents needed to start.
No obligation to proceed.