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Invoice finance

Key features

Invoice FinanceInvoice Finance

Invoice Finance comprises of Invoice Discounting and Invoice Factoring and is one of the most effective ways to improve cash flow in a business.

If cash is tied up in unpaid invoices due to long credit terms or late payment by customers, a business can experience operational problems.

Invoice finance allows a business to maintain a healthy cashflow even if customers pay late.

A healthy cashflow also allows the business to create positive relationships with staff and suppliers by paying them on time.

Invoices are one of the most flexible and valuable assets a business has.  An Invoice Finance provider pays an upfront payment (up to 90% of the invoice value) to the business with the remaining balance paid when the customer settles their invoice.

Factoring is usually a disclosed service offered by the provider. You receive up to 90% of the value of the invoice within 24 hours.  The Factoring provider manages your credit control and professionally chases your customers for payment.  The provider will take control of your entire ledger.

Selective Invoice Finance offers an alternative to Factoring allowing businesses to fund individual invoices without being committed into a contract. Confidential Invoice Discounting is an alternative to factoring where you still manage your own credit control and like factoring, the invoice finance company pays up to 90% of the value of each invoice with the balance paid once your customer pays the invoice in full.

The service is also undisclosed so your customer is not aware you are using this facility.  Some providers even offer a single invoice service and funding can often be drawn the same day.

These methods of improving cash flow are beneficial for businesses in all sectors and particularly for new companies, growing businesses or those with long credit terms or late payment problems.

We’re here to help. Why not contact us for a no obligation chat about the options available to you and how we can help.

How we have helped our clients with invoice finance

Far better margins if we buy direct from abroad

We have a client who is a re-seller in the plumbing sector. For years they have bought goods from UK manufacturers but they have the option to buy the same

Buying a competitor

An existing client of ours saw an opportunity to acquire a competitor where the owner wanted to retire. XL Business Finance were able to use the assets from the existing

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Other products to consider

confidential invoice factoringConfidential Invoice Discounting

  • Improves cash flow.
  • Confidential - customers have no knowledge of outsourcing.
  • Flexible terms that grow with your business.
  • Competitive packages and rates.


  • Improves cash flow.
  • Revolving credit that grows with your business.
  • Improved credit control.
  • Increased sales.

single invoice factoringSingle Invoice Factoring

  • Plugs temporary cash flow gaps.
  • Fast access to cash.
  • No fixed contracts.
  • Reduced funding costs.

asset based lendingAsset Based Lending

  • Higher levels of funding than invoice finance.
  • Releases working capital against stock/property.
  • Additional funding against plant/machinery.
  • Top up cash flow loans available.


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020 3301 4540

XL Business Finance Limited are authorised and regulated by the Financial Conduct Authority FRN 718737

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