Invoice Finance
Turn Invoices Into Cash
Up to 85% of your invoice value available — often the same day. Plus full debtor management, so you can focus on running your business.
Get paid now, not in 30, 60 or 90 days
We give you fast access to up to 85% of the money your customers owe you — with the added benefit of our full ledger and debtor management service. You get the agreed balance once your customer pays us.
You get the finance you need, without waiting for your customers to pay. Free from the pain of chasing slow payers. It's better than a bank overdraft or loan because we can typically release a greater amount, and our facility grows with you as your sales increase.
Perfect for businesses that:
- Sell goods or services on credit terms
- Are waiting 30–90 days to get paid
- Want to free up time spent chasing invoices
- Are growing and need funding that scales
- Want to maximise their opportunities
- Want more cashflow certainty
- Would benefit from professional debtor management
Our fee is typically 2–4% of invoice value for 60 days' funding — and includes our debtor management service.
Compare that with others. Customer discounts often cost you more than our fees, without the certainty we provide.
Why businesses choose our Invoice Finance facility
Simple from day one
Getting Your Facility in Place
- Complete our simple online application.
- Send us a copy of your current aged receivables report plus some basic proof of ID and address (a legal requirement).
- We'll ask if there's anything else we need — usually there isn't much.
- We quickly assess your information and provide an answer and quote — often the same day.
- Once you accept our quote, we do any required credit checks and provide facility documentation for your review.
- You ask us any questions & take any outside advice you need — no rush.
- Upon receipt of completed documentation and the invoices you want funded, we're good to go.
- From enquiry to funded: typically 1–5 days. We can move faster if you need us to.
Day-to-Day Operation
- You provide goods and/or services to your customers and create an invoice.
- Send the invoice to us — by email or we can import directly from your accounting software.
- We process your invoices and make the agreed funds immediately available to you.
- We manage your debtors' ledger: monthly statements, account monitoring, receipting payments, chasing slow payers.
- When your customer pays us, we process the receipt, and after reconciling we transfer the remaining balance (less our fees) to you.
- All activity is visible via our client portal at any time.
- Given your ok, we add accounting entries for all transactions and reconcile with your accounting system.
- That's all there is to it.
We handle your customers professionally
We take every interaction with your customers seriously, because it's vital to both of us that we get it right.
First Contact
We notify each customer of our involvement the first time we process one of their invoices — professionally and clearly.
Ongoing Management
We send statements, reconcile accounts, follow up queries, and chase slow payers — always politely and professionally.
Dispute Resolution
We work with all parties to resolve any issues promptly, always looking for the best outcome.
Why invoice finance beats a bank loan
| Cash Flow Funding | Bank Funding | |
|---|---|---|
| Approval Process | Set up in 1–3 days. Swift decisions. | Can take weeks. Stricter criteria. |
| Credit Assessment | Your credit history isn't paramount — we focus on your customers' creditworthiness. | In-depth credit analysis. Tough standards that many can't meet. |
| Funding Structure | Grows with your receivables — better, more predictable cash flow. | Fixed dollar limit. Reaching it means more hoops to jump through. |
| Cost | Competitive rates of 1–2% per invoice per month. Debtor management included. | Interest rate depends on your credit. No debtor management included. |
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Read →Get your invoice finance facility in place
Talk to us today — no obligation, and we'll give you a quote quickly.