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— HOW IT WORKS
How to arrange invoice finance:
four straightforward stages
Invoice finance is simpler than it sounds. Here is what happens at each stage, what we will ask you for, and when you can choose whether to proceed.
You can stop at the enquiry stage
An initial conversation does not commit you to a finance facility.
— THE PROCESS
What each stage involves
You can pause during the enquiry and assessment. Review the terms and checks before deciding whether to proceed.
01
Tell us about your business
A short conversation about what you do, who you invoice, the terms you agree and where the pressure sits. There is nothing to prepare.
No documents needed for the first conversation
We explain what information would be needed if you go further
You can ask whether it is worth doing at all
02
Explore suitable funding options
We explain the options that may be available, including factoring and discounting, and what each would mean for your customers, your credit control and your costs.
The difference between the options, in plain English
What funding against your invoices could realistically do
The questions worth asking any provider
03
Review the terms and complete the checks
If you decide to go further, the provider carries out its own assessment. You review the terms, charges and facility before agreeing to anything.
The provider’s assessment, including checks on your ledger
A full explanation of charges before you commit
Time to review the terms before making a decision
04
Access funding against eligible invoices
Once the facility is live, funding is released against eligible invoices under the agreed terms. The remaining balance follows after customer payment, less agreed charges.
Funding depends on invoice eligibility and facility terms
Draw funding in line with your agreement
Check notice periods and exit terms before committing
— AT A GLANCE
01
Tell us about your business
A short conversation about what you do, who you invoice, the terms you agree and where the pressure sits. There is nothing to prepare.
02
Explore suitable funding options
We explain the options that may be available, including factoring and discounting, and what each would mean for your customers, your credit control and your costs.
03
Review the terms and complete the checks
If you decide to go further, the provider carries out its own assessment. You review the terms, charges and facility before agreeing to anything.
04
Access funding against eligible invoices
Once the facility is live, funding is released against eligible invoices under the agreed terms. The remaining balance follows after customer payment, less agreed charges.
— WHAT TO HAVE READY
Information that helps if you go further
None of this is needed for the first conversation. Having it to hand can make an assessment quicker and the answers more accurate.
- Your business name, address and company details
- Who your main customers are and the payment terms you agree
- An aged debtors list showing your outstanding invoices
- Recent management accounts or statutory accounts
- A short description of how you manage credit control
- Typical monthly invoicing and turnover
— QUESTIONS ABOUT THE PROCESS
Before you start
No. The initial enquiry is a chance to discuss your business and explore possible options.
Checks depend on the provider and facility. They may review your accounts, sales ledger, customers and existing borrowing, and explain any security requirements.
This depends on the provider and the proposed facility. Ask about customer verification and confidentiality before proceeding.
You can choose not to proceed with an enquiry. If you have signed an agreement, any notice periods, fees and exit terms will apply.
Tell us about your business, approximate turnover, typical customers and payment terms. We will explain what further information may be required.
Ready when you are
Send a few details and we will arrange a conversation at a time that suits you.
✓ A conversation about your invoices and customers
✓ An explanation of the options in plain English
✓ No obligation to go ahead
✓ An explanation of the options in plain English
✓ No obligation to go ahead
NEXT STEP
Let’s find a practical way
forward for your cash flow.
Tell us about your business and the invoices you raise. We will explain the options that may be available, in plain English and without obligation.