FINANCE OPTIONS

^Invoice Factoring - Get a Quote Today

Q: How much can I borrow with Invoice Factoring?

You can typically access between £10,000 and £5 million, depending on the total value of your outstanding receivable invoices, overall business health, and your customers’ reliability.

Q: How quickly can I get Invoice Factoring funds?

Initial setup and approval can range from 2 to 10 days. After approval, funds are generally released within 24 hours of submitting an eligible invoice.

Q: What do Invoice Factoring rates include?

Rates usually vary from 0.5% to 5% of each invoice’s value, shaped by creditworthiness, invoice volume, and industry risk. Setup, service, and potential early termination fees may also apply.

Q: What are the key types of Invoice Factoring?

The main types are Recourse Factoring, where you retain bad debt risk; Non-Recourse Factoring, where the factor absorbs default risk; and Confidential Factoring, which maintains the privacy of your finance arrangement.

Invoice Factoring is a flexible finance solution where businesses sell unpaid invoices to a specialist factoring company at a discount. This gives immediate access to cash that would otherwise be tied up for weeks or months, enabling improved day-to-day cash flow and business agility. It is particularly useful for UK SMEs with customers on extended payment terms. Invoice factoring can also reduce the burden on your credit control team, as the lender often manages invoice collections, and offers an alternative to traditional secured lending.

Invoice Financing

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

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Dedicated support
Loan disbursed within 24 hours
No additional charges for early repayment

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Key ^Benefits of Invoice Factoring

Invoice factoring provides a practical way to convert sales invoices into working capital. By unlocking funds quickly and transferring collection duties, it allows businesses to manage growth, reduce risk, and improve efficiency. Rates, speed, and terms can be tailored for various business needs.

Improved cash flow

Faster payments

Reduced collection efforts

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Invoice Factoring

Recourse Factoring

Recourse factoring suits businesses with a strong sales ledger that want quick cash against their invoices, but accept responsibility if customers do not pay.

Recourse Factoring

With recourse factoring, companies access between 70% and 90% of invoice values. The lender advances funds quickly, then collects directly from customers. If your customer fails to pay, your business must repay the debt to the factor. This option tends to offer lower interest rates, but requires good credit practices. Common in sectors like manufacturing, wholesale, and distribution.

Non-Recourse Factoring

Non-recourse factoring is designed for businesses that want funding and protection if customers become insolvent, as the factoring company takes the default risk.

Non-Recourse Factoring

In non-recourse agreements, the factor pays you 70% to 85% of the invoice value and also covers losses if customers do not pay due to insolvency. This added security typically means higher fees, starting from 1% to 5%. Ideal for businesses trading with large buyers or in industries prone to payment delays, such as retail and healthcare.

Confidential Factoring

Confidential factoring allows businesses to access finance discreetly, without informing customers that their invoices have been factored.

Confidential Factoring

This option is best for established enterprises who wish to keep financing arrangements private. The factoring company provides 75% to 90% of invoice values and handles collection behind the scenes. It is commonly used by professional services, IT firms, and B2B companies wanting to maintain customer confidence while benefiting from improved cash flow.

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

How Funding Agent Works

Complete the Online Form

Share your business details, financial statements, and up-to-date sales ledger in a simple online application form to help identify best-fit providers.

Receive Offers

Get matched to factoring companies suited to your needs. Compare their rates, terms, and service options to make an informed choice.

Select and Start

Choose the offer that fits your business. The selected factor will guide you through setup, swiftly unlocking cash against your invoices.

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

How much can I borrow with Invoice Factoring?

How quickly can I get Invoice Factoring funds?

What do Invoice Factoring rates include?

What are the key types of Invoice Factoring?

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July 22, 2025

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^Invoice Factoring - Get a Quote Today

Key ^Benefits of Invoice Factoring

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Invoice Factoring

Recourse Factoring

Recourse Factoring

Non-Recourse Factoring

Non-Recourse Factoring

Confidential Factoring

Confidential Factoring

Typical Funding Journeys on Funding Agent