• Maintain business cash flow
  • Enable fast business growth
  • Revolving borrowing facility
  • Funding decision within 24 hours

Work on Your Terms

Get immediate funds by selling slow-paying accounts receivable. Reinvest in growth and remove your reliance on others’ cash flow with invoice finance from Funding Guru.

Invoice Finance

What is Invoice Finance?

Invoice financing is a way for businesses to borrow money against the amounts due from customers. Invoice financing helps businesses improve cash flow, pay employees and suppliers, and reinvest in operations and growth earlier than they could if they had to wait until their customers paid their balances in full

This type of funding gives you the power to snap up good deals, to increase your capacity to fulfil large orders and much more. Get up to 90% of the value of commercial invoices immediately to grow your business.

Who is Invoice Finance suitable for?

Invoice finance is best suited to industries who sell to commercial customers. Invoices for non-commercial customers are rarely suitable for this type of finance.

This type of finance is especially appealing for businesses who don’t want to borrow against their entire invoice ledger, as it gives the freedom to borrow against individual invoices here and there, according to the evolving needs of the business.

The Benefits

  • Fixed interest rate and no hidden fees

  • Weekly or monthly repayments

  • Applications considered from any industry

  • A slick application process

Reduce the impact of unpredictable customers with a capital boost as and when you need it, secured against handpicked invoices.

Selective Invoice Discounting

What is Selective Invoice Discounting?

This type of funding, also called spot financing, lets you borrow against handpicked invoices. You sell invoices to us for a small discount in exchange for immediate access to the funds they represent, allowing you to tap into funds on your own terms, rather than according to capricious customers.

By choosing selective invoice discounting, you retain full control of your internal processes and your customers are unaware of third party involvement. You simply invoice your customer as normal, send us a copy, and we forward up to 90% of the invoice value. When the customer pays you, you pay us back; it’s as simple as that.

Who is Selective Invoice Discounting suitable for?

Businesses with big invoices and creditworthy customers can enjoy the luxury of immediate access to funds locked up in pending invoices. Our selective invoice discounting customers often experience ebbs and flows of seasonal cycles. They establish invoice discounting facilities to keep their cash flow consistent and to prevent reduce the impact of seasonality on growth.

This type of finance is especially appealing for businesses who don’t want to borrow against their entire invoice ledger, as it gives the freedom to borrow against individual invoices here and there, according to the evolving needs of the business.

The Benefits

  • Fixed interest rate and no hidden fees

  • Weekly or monthly repayments

  • Applications considered from any industry

  • A slick application process

Reduce the impact of unpredictable customers with a capital boost as and when you need it, secured against handpicked invoices.

Whole Turnover Invoice Discounting

What is Whole Turnover Invoice Discounting?

This funding solution sees a revolving credit facility secured against your whole invoice ledger. This gives you the freedom and security of accessing funds locked in invoices as soon as you issue them, rather than being beholden to slow paying or unpredictable customers.

For this arrangement, your whole ledger must flow through the facility. You will have access to up to 90% of the value of each invoice, and because the facility is revolving, you can continue to borrow up to an agreed amount when repayments are made. This grants your businesses flexibility and helps you to avoid lulls in cash flow caused by seasonality or customer whims.

Who is suitable for Whole Turnover Invoice Discounting?

Businesses who choose whole turnover invoice discounting are often in fast-paced industries with a healthy amount of creditworthy customers. If you find your customers to be reliable but slow paying, this type of lending may be the perfect solution for your business.

Our whole turnover invoice discounting customers enjoy the simplicity of knowing that every invoice is automatically considered for their borrowing facility.

The Benefits

  • Fixed interest rate and no hidden fees

  • Weekly or monthly repayments

  • Applications considered from any industry

  • A slick application process

Enjoy immediate access to the capital locked in your invoice ledger with a whole turnover invoice discounting facility. Avoid lulls, keep cash flowing.

Confidential Invoice Discounting

What is Confidential Invoice Discounting?

By definition, confidential invoice discounting allows you to unlock funds in unpaid invoices by securing finance against them. We are able to lend up to 90% of an invoice as soon as you issue it, letting you keep cash flowing when customers are being slow to pay. This is a non-intrusive finance facility, where you can borrow against outstanding invoices without affecting your internal processes.

With the option to set confidential invoice discounting up as an ongoing credit facility, you are able to borrow continually up to an agreed rate. This means that once an invoice is repaid you can borrow again, giving you the power to make decisions according to your business needs, not to your cash flow.

Who is suitable for Confidential Invoice Discounting?

Businesses who choose confidential invoice discounting want to retain control of internal processes like issuing, chasing, and collecting invoices. They want to maintain customer relationships and conceal the involvement of a third party.

Any business who issues invoices is eligible to benefit from confidential invoice discounting, although, for businesses looking to streamline their internal operations at the same time, we might recommend another type of invoice finance.

The Benefits

  • Fixed interest rate and no hidden fees

  • Weekly or monthly repayments

  • Applications considered from any industry

  • A slick application process

Stop being beholden to slow-paying customers, access funds immediately to put straight back into your business.

Why should you use Invoice Finance? 

We purchase invoices that are yet to be paid, giving you immediate access to the capital they represent. Borrowing against the value of eligible invoices removes your reliance on potentially slow-paying clients and customers, and allows you to reinvest in growth at your own pace.

You may also hear the term ‘receivables financing’.

This describes an arrangement where we offer a certain amount of credit, and you can borrow against as many invoices as you like within this amount. Once an invoice is repaid, it frees up that amount from the credit and allows you to borrow again.

We will look at your whole sales ledger across a year when assessing how much finance we can offer, meaning the amount will be based on typical sales performance rather than individual invoice amount.

In an invoice finance factoring agreement, we buy outstanding invoices and take responsibility for the collection of their payment. Once the invoice has been paid we send you the remainder after subtracting our advance and fees

Having us be responsible for chasing payment frees up internal capacity at your end and removes the stress of collection.

In an invoice discount agreement we buy outstanding invoices but you retain responsibility for ensuring they are paid, meaning customers are unaware of third party involvement. On payment of each invoice we take a fee.

Invoice finance is best suited to industries who sell to commercial customers. Invoices for non-commercial customers are rarely suitable for this type of finance.

Application Process

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Fund your future today. Our team will find the perfect Invoice Finance solution for you. Move your business forward with Funding Guru.