FINANCE OPTIONS

Export Invoice Finance - Get a Quote

Export Invoice Finance is a way for businesses to get money quickly by using their unpaid export invoices as a form of loan. It helps keep cash flowing while waiting for customers to pay. Want to learn how this could help your business? Just ask!

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What are the benefits of Export Invoice Finance?

Export Invoice Finance helps businesses by providing immediate cash against their overseas invoices. This financial solution allows exporters to maintain healthy cash flow, reduce payment delays, and effectively manage their accounts receivable, enabling them to focus on growth and international expansion.
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Improves cash flow
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Reduces payment delays
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Supports international trade

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What are the different types of Export Invoice Finance?

Export Factoring

A financial service where an exporter sells its invoices to a factoring company for immediate cash.

Export Factoring

Export factoring involves the sale of accounts receivable (invoices) to a factor. The exporter gets up to 80-90% of the invoice value upfront, improving cash flow while the factor manages collection and credit risk.

Export Forfaiting

A finance method where exporters sell medium to long-term receivables to a forfaiter at a discount.

Export Forfaiting

Export forfaiting is used for larger, longer-term export transactions. The exporter sells the receivable to a forfaiter, who assumes the risk and pays the exporter after deducting a discount, aiding cash flow and risk transfer.

Export Invoice Discounting

A facility where exporters use their unpaid invoices as collateral to receive advance cash from a lender.

Export Invoice Discounting

Export invoice discounting allows exporters to borrow money against their unpaid export invoices. They retain control over sales ledger and customer relationships while improving liquidity before the invoices are paid.

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What is Export Invoice Finance?

Immediate Cash Flow for Exporters

Export Invoice Finance allows exporters to turn their unpaid invoices from foreign buyers into immediate cash. This helps exporters avoid waiting for long payment terms and ensures they have the working capital needed to operate and grow their businesses.

Risk Management and Professional Collections

By using Export Invoice Finance, exporters can shift the risk of non-payment and currency fluctuations to the finance provider. Factoring companies often handle credit checks, collections, and even take on the risk if the buyer fails to pay, making international trade safer and easier for sellers.

Flexible Financing Options and Services

There are different types of Export Invoice Finance, such as factoring and discounting, that can be tailored to the exporter’s needs. Additional services may include multi-currency support, export documentation help, and country risk assessment, making the financing process simple and efficient.

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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

What is Export Invoice Finance?
Which sectors can use Export Invoice Finance?
How quickly are funds released for exporters?
Is bad debt protection included for exporters?

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