FINANCE OPTIONS

^Debtor Finance Ireland – Get a Quote Today

Q: What makes me eligible for Debtor Finance Ireland?

Eligibility depends on your business turnover, invoice values, and the quality and validity of your accounts receivable. Some options require a minimum turnover of £250,000, while others can accommodate smaller businesses. All invoices provided must be valid and undisputed.

Q: How much can I borrow through debtor finance?

Borrowing amounts for debtor finance typically range from £5,000 up to £5,000,000. The specific amount depends on your outstanding invoice values, your business’s annual turnover, and the creditworthiness of your customers.

Q: How quickly can I get funds once approved?

Initial decisions are usually made within two to seven days. Once you're approved, funds are typically available within a week, though this depends on the lender's processes and the completeness of your documentation.

Q: Are there additional fees or regulations I need to consider?

Debtor finance is regulated by the Financial Conduct Authority (FCA). Besides interest (1% to 4% above base rate), lenders may charge arrangement fees or service charges. Make sure your invoices are valid and undisputed before applying.

Debtor finance allows UK businesses to unlock working capital by using unpaid invoices as security for funding. With Debtor Finance Ireland, SMEs can quickly access funds that would otherwise be tied up in accounts receivable, closing cash flow gaps and supporting day-to-day operations. This finance is particularly useful for businesses experiencing long customer payment terms or needing stability during periods of growth. By leveraging debtor finance, companies can secure tailored funding solutions to match their specific cash flow needs, keeping business running smoothly without waiting for invoices to clear.

Debtor Finance

Secure up to £1,000,000 in Debtor Finance with Funding Agent.

Fastest and easiest application process
Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

Apply Now

Key ^Benefits of Debtor Finance Ireland

Debtor finance can provide the financial agility needed to keep your business on track. Designed for UK SMEs, it offers a reliable way to release funds quickly and manage working capital effectively. With competitive rates, transparent terms and a range of options, debtor finance helps address cash flow challenges with practical solutions.

Improves cash flow

Reduces bad debts

Enhances working capital

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Debtor Finance in Ireland

Invoice Discounting

Invoice Discounting suits established UK businesses with strong internal credit control. It releases a percentage of the invoice value, keeping collections in-house for greater confidentiality.

Invoice Discounting

Businesses with a minimum £250,000 turnover and robust credit control processes may benefit most from Invoice Discounting. The lender advances between £50,000 and £5,000,000 based on your outstanding invoices, typically within 48 hours to one week. Interest rates start from 1% to 3% above base rate, with the business retaining responsibility for customer payment collections. Sectors like manufacturing and wholesale often use this option to improve cash flow without external involvement.

Invoice Factoring

Invoice Factoring is ideal for smaller businesses needing both funding and credit control support. The lender manages collections and provides upfront cash against your invoices.

Invoice Factoring

Most suitable for UK businesses with less than £1 million turnover, Invoice Factoring involves selling invoices to a lender who then handles the collection process. Businesses can access between £10,000 and £1,000,000, with decisions in three to seven business days and rates from 1.5% to 3.5% above base rate. This solution works well for sectors like construction, transport, and recruitment, especially if credit control resources are limited.

Selective Invoice Finance

Selective Invoice Finance offers flexibility, letting you choose specific invoices to fund. It’s a good fit for SMEs that want to manage funding on a case-by-case basis.

Selective Invoice Finance

Selective Invoice Finance is tailored for companies preferring not to commit their entire sales ledger. Eligible SMEs with high-quality invoices can unlock £5,000 to £500,000, typically within 24 hours to five days. Interest rates range from 2% to 4% above base rate. This approach is popular among retail, freelancers, and small enterprises seeking adaptable funding for particular clients or peak trading periods.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

Access Debtor Finance with Funding Agent

Submit Your Inquiry

Start by sharing your company and invoice details with Funding Agent using our online application form so we can begin the lender comparison process tailored to your needs.

Get Matched with Lenders

Based on your details, Funding Agent presents you with suitable lender options offering debtor finance, so you can compare choices and make informed decisions.

Finalize Your Loan

Once you have chosen a lender, complete the final application steps. As soon as approval is given, your funds will be released, often within a week.

Get Funding For your business

Generate offers

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

What makes me eligible for Debtor Finance Ireland?

How much can I borrow through debtor finance?

How quickly can I get funds once approved?

Are there additional fees or regulations I need to consider?

DIVE DEEPER

July 22, 2025

We Like To Keep Things Simple

Match with

150+

Lenders

Loans from

£1000
to
£1m

^Debtor Finance Ireland – Get a Quote Today

Key ^Benefits of Debtor Finance Ireland

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Debtor Finance in Ireland

Invoice Discounting

Invoice Discounting

Invoice Factoring

Invoice Factoring

Selective Invoice Finance

Selective Invoice Finance

Typical Funding Journeys on Funding Agent