Invoice Discounting

Take control of your cashflow in confidence

  • SME Invoice Discounting – Sell one or many invoices
  • High Advance – Receive up to 90% of your invoice value upfront
  • Fast Funding – Get the money in your account within 24 hours after approval
  • Big or Small Invoices – We fund invoices up to £3m+
  • No personal security – No secured personal guarantee required
  • Free to Apply – Simple application – apply in minutes

What is invoice discounting?

Invoice Discounting allows your business to sell its sales ledger, but unlike factoring, you stay in control of your credit control process as usual. This means that your customers will not notice you are using an invoice financing facility, keeping it confidential.

Confidential invoice discounting is a great way to manage your businesses cash flow.  It takes the burden of late payment terms away from your busy schedule. It puts monies into your account with immediate effect so that you can concentrate on the important factors of running your business.

Invoice Discounting

Why choose invoice discounting?

Release large amounts of funding

Invoice discounting can release significantly more funding than a traditional bank loan or overdraft facility. The funding amount available will depend on the invoice amounts.

It’s 100% confidential

SME Invoice discounting is arranged in a completely confidential way, so your customers don’t know that you’re borrowing against their invoices. Nothing changes.

Client relationships not affected

You still manage the client account in the same way, as invoice discounting takes control of the cash flow in the background.

Retain control of sales ledger

Invoice discounting keeps you in control with your sales ledger operations. You remain in control of chasing and collecting payments.

No additional asset security required

A significant advantage over other financial loan products does not rely on you owning any assets to act as security, whereas a traditional bank loan would look for this.

Bolt on extras

There are other business additions available such as bad debt protection, payroll support, which helps to free up your time and protects your business from risk.

How does confidential invoice discounting work?

An invoice discounting facility gives your business the immediate working capital it needs while retaining full control of your sales ledger and relationships with your customer.

Invoice Finance Step 1 - Choose one or multiple invoices

1. Choose one or multiple invoices

Choose a customer invoice/invoices you would like to release cash against.

Invoice Finance Step 2 - Receive advance up to 90%

2. Receive advance up to 90%

Receive an invoice advance up to 90% of the value of your sales invoices in 24 hours. Get as much as you need!

Invoice Finance Step 3 - Customer pays the invoice

3. Customer pays the invoice

You chase payments as normal. When your customer pays, you will receive the remaining balance minus any costs.

A confidential invoice discounting facility that keeps you in control

At SME Invoice Finance, we can help you release the cash locked in your cash flow.  Our funding panel can help release up to 90% of the value of your sales invoices – quickly.  We know how a cash flow situation can halt your business in its tracks, which is why invoice discounting can help with immediate effect.

The whole process remains ultimately confidential, and your customers remain unaware of the working relationship.

SME Invoice Discounting will suit the majority of UK business sectors

We can help any UK business that invoices other companies on credit terms for goods and services.

We help support UK businesses grow

Members of The Federation of Small Businesses

Members of the national association of commercial finance brokers

Unlock the cash in your unpaid invoices today