^Invoice Finance for Print Companies – Get Started Today

With invoice discounting (confidential), your invoices are assessed for eligibility and a percentage of invoice value is advanced. You then continue to run the debtor relationship depending on the specific contract structure. For many businesses, it is a revolving facility rather than a fixed term, so each invoice is effectively funded for the period between advance and customer payment. Lenders commonly look for evidence of trading history (often 12+ months, varies by lender), manageable debtor concentration and invoices that are free from major disputes.

Invoice factoring (with notice) involves notifying customers about the assignment of invoices. The provider advances a percentage of eligible invoices, and then typically manages collections, paying the balance once invoices settle less fees and adjustments. For print businesses, this can help when invoice volumes are high or you want support across many receivables. The effective funding cycle for each invoice follows standard payment terms, commonly 30–90 days, though it can vary based on the debtor and your invoice book.

Invoice finance (recourse vs non-recourse variations) considers whether the business or the lender bears defined non-payment risk for qualifying invoices. Recourse is more common for many SMEs, while non-recourse can be available where the debtor risk profile and contractual terms are strong. In both cases, the facility is usually revolving, with each invoice funded from advance until customer payment. Initial decisions commonly take around 1–3 weeks, with non-recourse underwriting potentially taking longer due to deeper debtor risk assessment.