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800k Invoice Factoring - Get a Fast Quote

£800k Invoice Factoring is when a business sells its unpaid invoices worth £800,000 to a company that pays them immediately. This helps the business get cash quickly instead of waiting for customers to pay. If you want to learn how invoice factoring can boost your cash flow, just ask!

Invoice Factoring

Secure up to £1,000,000 in Invoice Factoring with Funding Agent.

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What are the benefits of 800k Invoice Factoring?

800k Invoice Factoring is a financial solution that allows businesses to sell their invoices to a third party at a discount. This process provides immediate cash flow, enabling companies to meet operating expenses, invest in growth opportunities, and manage debts more effectively. By securing funds quickly from outstanding invoices, businesses can maintain a steady operational capacity without delays caused by customer payment terms.
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Improves cash flow
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Reduces payment delays
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Enhances financial flexibility

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What are the different types of 800k Invoice Factoring?

Recourse Invoice Factoring

The business is responsible if the customer doesn’t pay the invoice.

Recourse Invoice Factoring

With recourse factoring, if the customer fails to pay the $800k invoice, the business must buy it back or replace it, so the risk of non-payment remains with the seller, which often results in lower fees.

Non-Recourse Invoice Factoring

The factoring company assumes the risk of non-payment by the customer.

Non-Recourse Invoice Factoring

In non-recourse factoring, the factoring company takes on the credit risk. If the $800k invoice isn’t paid due to customer insolvency, the business isn’t liable. However, this option usually comes with higher fees.

Spot Factoring

A single invoice or a few invoices are factored, not the whole accounts receivable ledger.

Spot Factoring

Spot factoring allows the business to sell a specific $800k invoice instead of all outstanding invoices. It’s flexible and suitable for meeting one-time cash needs, but may have higher costs per transaction than full-ledger factoring.

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What is 800k Invoice Factoring?

What is 800k Invoice Factoring?

800k invoice factoring is when a business sells an unpaid invoice worth $800,000 to a factoring company in exchange for immediate cash (usually 70-95% of the invoice value). This helps improve cash flow quickly, without taking out a loan.

Key Types: Recourse, Non-Recourse, Spot Factoring

In recourse factoring, the business covers the loss if the customer doesn't pay. In non-recourse factoring, the factoring company takes on the risk of non-payment. Spot factoring is when you only factor a single invoice (like one worth $800k) instead of selling all your invoices.

Main Benefits and Considerations

Large invoice factoring like $800k gives instant access to funds for big business needs. It's not a loan, so it doesn't impact your credit. However, there are fees for this service, and approval depends heavily on your customer's creditworthiness rather than yours.

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Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.
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FAQ’S

How can haulage firms benefit from £800k invoice factoring?
What are typical costs for £800k invoice factoring in construction?
How does £800k invoice factoring help IT service companies?
Are SMEs with £800k turnover eligible for invoice factoring?

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