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850k Invoice Factoring - Get Funding Now
850k Invoice Factoring is when a business sells their unpaid invoices worth £850,000 to a factoring company. This company then gives them immediate cash, helping the business manage cash flow without waiting for customers to pay. Interested in how this can boost your business? Let's chat!
- Fastest and easiest application process
- Dedicated support
- Loan disbursed within 24 hours
- No additional charges for early repayment
What are the benefits of 850k Invoice Factoring?
850k Invoice Factoring is a financial solution that allows businesses to sell their invoices to a factoring company for immediate cash. By doing so, companies can improve their cash flow and gain quick access to funds, enabling them to meet operational expenses and invest in growth. This method reduces the reliance on traditional loans and helps businesses manage their working capital more efficiently.
Improved cash flow
Quick access to funds
Less reliance on loans
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What are the different types of 850k Invoice Factoring?
Recourse Factoring
The business is liable if the customer doesn’t pay the invoice.
Non-Recourse Factoring
The factoring company assumes the credit risk of non-payment.
Spot Factoring
One-off factoring of individual invoices, not the whole sales ledger.
What is 850k Invoice Factoring?
Recourse Factoring
In recourse factoring, a business is still responsible if its customer fails to pay the invoice. If the customer does not pay within a set period, the business must buy back the invoice or provide another one. This type usually has lower fees because the risk for the factoring company is less.
Non-Recourse Factoring
With non-recourse factoring, the factoring company takes on the risk if the customer can’t pay the invoice, usually due to insolvency. The business is not required to buy back the invoice, but the fees are often higher since the factoring company is taking a bigger risk.
Spot Factoring
Spot factoring allows a business to factor individual invoices as needed, instead of all invoices or committing to long-term contracts. It is useful when a company occasionally needs fast cash or has seasonal cash flow gaps, although it may cost more for each transaction.
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.
FAQ’S
Can 850k Invoice Factoring fund uncertified construction applications?
What percentage of an £850k invoice can construction firms typically access?
Can retail businesses use 850k Invoice Factoring for large UK chain orders?
Are factoring costs for an £850k invoice different for retailers?
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