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Invoice Finance

Invoice finance (or Debtor Finance) helps businesses access cash from unpaid invoices quickly, using accounts receivable as collateral

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Invoice Finance

Overview

Invoice Finance (also known as debtor finance) helps businesses access cash from unpaid invoices quickly, using accounts receivable as collateral. You can get up to 80% of invoice value upfront, with the remainder received after your customers pay the invoice. A small fee is charged for this service. It's great for managing short-term cash flow, and typically involves shorter loan periods to keep costs lower. Plus, it can be set up discreetly, so your customers won’t know a lender is involved. Perfect for invoice-reliant businesses!

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Invoice Finance

Features

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Typical Uses

Pros

Cons

Think About

  • Receiving payment from jobs sooner
  • Reducing cash flow worries
  • Making income/revenue more predictable
  • Access cash tied up in invoices quickly.
  • Solve short-term cash flow gaps with ease.
  • Focus on running your business, not chasing payments from tricky clients.
  • Usually no physical collateral is required.
  • Flexible—use it only when needed.
  • Your customers must been seen as likely to pay in order to use these products.
  • Annual costs can be higher than other options.
  • Best suited for businesses with regular invoices.
  • You might lose some control over your accounts receivable.
  • Customers may be notified in some cases.
  • Minimum sales volume may apply.
  • Do I have a lot of unpaid invoices?
  • Are my customers reliable payers?
  • Am I okay with paying fees/interest to get cash now?
  • Are late payments causing cashflow problems in other areas of the business?
Typical Uses
  • Receiving payment from jobs sooner
  • Reducing cash flow worries
  • Making income/revenue more predictable
Pros
  • Access cash tied up in invoices quickly.
  • Solve short-term cash flow gaps with ease.
  • Focus on running your business, not chasing payments from tricky clients.
  • Usually no physical collateral is required.
  • Flexible—use it only when needed.
Cons
  • Your customers must been seen as likely to pay in order to use these products.
  • Annual costs can be higher than other options.
  • Best suited for businesses with regular invoices.
  • You might lose some control over your accounts receivable.
  • Customers may be notified in some cases.
  • Minimum sales volume may apply.
Think About
  • Do I have a lot of unpaid invoices?
  • Are my customers reliable payers?
  • Am I okay with paying fees/interest to get cash now?
  • Are late payments causing cashflow problems in other areas of the business?
Typical Uses
  • Receiving payment from jobs sooner
  • Reducing cash flow worries
  • Making income/revenue more predictable
Pros
  • Access cash tied up in invoices quickly.
  • Solve short-term cash flow gaps with ease.
  • Focus on running your business, not chasing payments from tricky clients.
  • Usually no physical collateral is required.
  • Flexible—use it only when needed.
Cons
  • Your customers must been seen as likely to pay in order to use these products.
  • Annual costs can be higher than other options.
  • Best suited for businesses with regular invoices.
  • You might lose some control over your accounts receivable.
  • Customers may be notified in some cases.
  • Minimum sales volume may apply.
Think About
  • Do I have a lot of unpaid invoices?
  • Are my customers reliable payers?
  • Am I okay with paying fees/interest to get cash now?
  • Are late payments causing cashflow problems in other areas of the business?

Potential Lenders

Further Information

MAXIMUM LOAN AMOUNT

$1,000,000

MINIMUM LOAN AMOUNT

$3,000

SPEED

Medium

INTEREST RATE

From 7% or flat fee

MAXIMUM LOAN TERM

Variable

MINIMUM LOAN TERM

Variable

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