Invoice discounting · explained simply

Confidential cash from your unpaid invoices.

Release up to 90% of the value of your sales invoices as soon as you raise them — while you stay fully in control of your own ledger, and your customers see no change at all.

What it isWho it’s forBenefitsHow it worksFAQs
The simple version

What is invoice discounting?

Invoice discounting lets you draw down cash against invoices you’ve issued but haven’t yet been paid for. The funder advances most of each invoice up front; you collect from your customers as normal; and the balance, less a small fee, is released when they pay. Because you keep running your own credit control, the arrangement is usually completely confidential.

In short: it turns your sales ledger into a flexible cash reserve. The money you’re owed becomes money you can use today, without changing how you deal with your customers.
In plain English
Invoice discounting

A confidential invoice finance facility. You receive up to 90% of an invoice’s value within 24–48 hours, keep responsibility for collecting payment, and draw funds up and down as your ledger moves. Your customers are typically unaware a funder is involved.

Who it’s for

Who it suits best.

Discounting rewards businesses that are established enough to run their own collections — and value keeping finance behind the scenes.

Established businesses

You have a proven track record and reliable customers — discounting rewards that stability with funding at its most flexible.

Your own credit control

You already have a finance function that issues invoices and chases payment, so you don’t need the funder to collect for you.

Confidentiality matters

You’d rather your customers and competitors never knew you used finance — discounting keeps it entirely behind the scenes.

Growing B2B turnover

You sell to other businesses on credit terms and want funding that grows automatically as your invoicing grows.

Long payment terms

Your customers pay on 30, 60 or 90 days, and that gap is tying up the cash you need to operate.

Steady invoice flow

You raise invoices regularly across a spread of customers, rather than the occasional one-off.

The benefits

What it does for your business.

Cash flow stops depending on when customers happen to pay, and starts working to your timetable instead.

Cash in 24–48 hours

Stop waiting weeks or months to be paid — turn each invoice into working capital almost immediately.

Completely confidential

Your customers carry on paying you as normal; the facility stays invisible to them.

You keep control

You own the customer relationship and your own credit control — nothing about how you collect has to change.

Funding that scales

The more you invoice, the more you can draw. The facility grows with your business automatically.

No property charge

The funding is secured against your invoices, not your home or premises — and it isn’t a conventional loan.

Frees you to grow

Pay staff, suppliers and VAT on time, and take on new work without the cash-flow handbrake.

How it works

From invoice to cash, confidentially.

How invoice discounting works

Confidential funding, drawn against invoices you’ve already raised.
1Raise your invoiceYou invoice your customer exactly as you do today.
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2Draw the cashUp to 90% is advanced to you, usually within 24–48 hours.
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3You collectYour customer pays you on their normal terms — confidentially.
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4Balance releasedYou receive the remaining balance, less a small fee.
Because you keep collecting, the whole arrangement stays confidential — your customers simply pay you as they always have.
Quick answers

Invoice discounting FAQs.

No. Invoice discounting is confidential — you continue to collect payment yourself, so your customers see no change and needn’t know a funder is involved.
Typically up to 90% of each invoice’s value within 24–48 hours, with the balance paid to you (less a small fee) once your customer settles.
With discounting you keep control of your own credit control and collections, and the facility is confidential. With factoring, the funder collects on your behalf and the arrangement is usually disclosed.
A discounting facility usually works across your whole ledger, which keeps the cost efficient. If you’d prefer to fund only selected invoices, ask us about selective finance instead.
Discounting suits established businesses with their own credit control and a track record of reliable customers. We’ll look at how you invoice, who you sell to, and your trading history.
Talk to us about discounting → All invoice finance options →