Invoice factoring · explained simply

Get paid faster, and let us chase the invoices.

Release up to 90% of each invoice as soon as you raise it, and hand the job of chasing and collecting payment to us — so the cash arrives sooner and the admin leaves your desk.

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

What is invoice factoring?

Factoring is invoice finance with credit control included. The funder advances most of each invoice up front and then manages collections on your behalf — issuing statements, chasing politely and banking the payments. The balance, less a fee, is released once your customer pays. Because the funder collects, the arrangement is usually disclosed to your customers.

In short: it’s invoice finance with a credit-control team attached. You get the cash quickly, and someone else takes on the chasing.
In plain English
Invoice factoring

An invoice finance facility where the funder advances up to 90% of an invoice within 24–48 hours and also runs your sales-ledger collections. Customers pay the funder directly (a disclosed arrangement), and bad-debt protection can often be added.

Who it’s for

Who it suits best.

Factoring fits businesses that would rather grow than chase — and would value professional collections doing it for them.

Growing businesses

Sales are climbing faster than your admin can keep up — factoring scales your cash flow and your collections together.

No in-house credit control

You don’t have a dedicated team to chase payments, or you’d simply rather not spend your time doing it.

Time-poor owners

You’d rather be running and growing the business than ringing customers about overdue invoices.

Worried about bad debt

You want the option of protection against a customer who can’t pay, alongside professional collections.

Slow-paying customers

Your customers stretch their terms, and firm, consistent chasing would get you paid sooner.

B2B on credit terms

You invoice other businesses, and the gap between invoicing and payment is squeezing your cash flow.

The benefits

What it does for your business.

You get the cash and the time back — the funding lands fast and the chasing stops being your job.

Cash in 24–48 hours

Up to 90% of every invoice is advanced as soon as you raise it.

Collections handled for you

We chase and collect on your behalf — professionally and in your name — so the admin disappears.

Time back for the business

Stop spending hours on credit control and put that time into customers and growth.

Optional bad-debt protection

Add cover so you’re protected if an approved customer fails to pay.

Often improves payment times

Consistent, professional chasing tends to bring payments in faster than ad-hoc reminders.

Funding that grows with you

As your invoicing increases, so does the cash available — with no need to renegotiate.

How it works

Funding up front, chasing off your desk.

How invoice factoring works

Funding up front, with collections handled on your behalf.
1Raise your invoiceYou invoice your customer and send us a copy.
→
2Draw the cashUp to 90% is advanced to you within 24–48 hours.
→
3We collectWe chase and collect payment from your customer for you.
→
4Balance releasedYou receive the balance, less a fee, when they pay.
Because we manage collections, factoring is usually disclosed — large customers process these arrangements every day, and we always chase in a way that protects your relationships.
Quick answers

Invoice factoring FAQs.

We do. With factoring, our credit-control team manages collections on your behalf — professionally and courteously — so you don’t have to.
Yes — factoring is usually disclosed, because customers pay us directly. This is routine; large organisations handle these arrangements as a matter of course.
Often, yes. Bad-debt protection can be added so you’re covered if an approved customer becomes insolvent and can’t pay.
Factoring includes credit control and is usually disclosed; discounting leaves collections with you and is confidential. Factoring suits businesses that want the chasing taken off their hands.
Factoring suits growing businesses that invoice other businesses on credit terms. We’ll look at your turnover, customers and how you invoice to confirm fit.
Talk to us about factoring → All invoice finance options →