FINANCE OPTIONS

^Retail Invoice Finance - Apply Now

Q: How much can I borrow with Retail Invoice Finance?

Borrowing amounts generally range from £5,000 up to £5 million. The specific amount you can access depends on your business turnover, the value of your outstanding invoices, and your customers' creditworthiness.

Q: How quickly can funds be accessed with Retail Invoice Finance?

Initial approvals are typically provided within 1 to 5 days, and funds can be released within 1 to 10 days after documentation is reviewed and agreements are completed.

Q: What are the typical interest rates and fees for Retail Invoice Finance?

Typical rates range from 1% to 5% per invoice per month, depending on invoice size, customer credit, and your business’s financial strength. Additional fees such as setup and service charges may apply.

Q: What types of Retail Invoice Finance are available?

Retailers can consider factoring, invoice discounting, or selective invoice finance. Each type suits different business sizes, invoice values, and preferences for managing customer relationships or collections.

Retail Invoice Finance is designed to help UK retailers unlock cash tied up in unpaid invoices. This funding solution advances a percentage of your issued invoices, providing access to working capital without waiting for customers to pay. Retail Invoice Finance helps businesses manage cash flow, cover essential expenses, and seize growth opportunities in a sector where margins and working capital can be tight. With Funding Agent, you can compare offers and find invoice finance options that match your turnover, client base, and retail needs.

Invoice Financing

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

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

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^Benefits of Retail Invoice Finance

Retail Invoice Finance provides practical benefits to businesses handling large inventories and fluctuating customer demand. It is tailored to support immediate cash requirements and operational growth, with options to suit different needs and credit profiles. Competitive rates and fast decisions help you keep your business running smoothly and flexibly.

Improved cash flow

Faster customer payments

Reduced financial strain

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Retail Invoice Finance

Factoring

Factoring is ideal for retail businesses with B2B invoices. The lender purchases your invoices, advances up to 90% of their value, and manages collections for you.

Factoring

Factoring suits established retailers with a stable trading history and consistent turnover. You sell your invoices to a lender, who provides cash upfront and manages customer payments. Amounts range from £10,000 to £1 million, with decisions in 2 to 5 days. This option helps manage cash flow and inventory, particularly for fashion retailers or supermarkets facing high demand and seasonal variation.

Invoice Discounting

Invoice Discounting gives you cash against your invoices while you retain control of collections, best for established retailers with higher turnover and creditworthy clients.

Invoice Discounting

Retailers with turnover above £250,000 and strong credit processes can benefit from invoice discounting. The lender advances funds against your invoice book, but you handle customer collections, allowing for discretion over relationships. Typical finance amounts are £50,000 to £5 million, with interest rates from 1% to 2% above base rates. Decisions take 5 to 10 days.

Selective Invoice Finance

Selective Invoice Finance offers flexibility for retailers to fund specific, high-value invoices without committing their entire sales ledger.

Selective Invoice Finance

Choose particular large invoices to receive funding. Retailers use this option when they need quick access to cash for specific deals or high-value orders, such as in luxury goods. Finance ranges from £5,000 to £500,000 with fast decisions, usually within 1 to 3 days. This selective approach provides control while supporting urgent cash needs for selected transactions.

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

Get Retail Invoice Finance via Funding Agent

Submit Enquiry

Share details about your business and specific finance needs through our straightforward online application form to begin your application.

Compare Offers

Review personalised offers from multiple lenders, comparing rates, terms, and flexibility to find the most suitable solution for your retail business.

Receive Funds

Select your preferred invoice finance provider, complete the required agreements, and access funding quickly for your operations.

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 Retail Invoice Finance?

How quickly can funds be accessed with Retail Invoice Finance?

What are the typical interest rates and fees for Retail Invoice Finance?

What types of Retail Invoice Finance are available?

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July 22, 2025

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^Retail Invoice Finance - Apply Now

^Benefits of Retail Invoice Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Types of Retail Invoice Finance

Factoring

Factoring

Invoice Discounting

Invoice Discounting

Selective Invoice Finance

Selective Invoice Finance

Typical Funding Journeys on Funding Agent

Get Retail Invoice Finance via Funding Agent

Submit Enquiry

Compare Offers

Receive Funds

Get Funding For your business

Real Scenarios

Construction Company Needing Fast Working Capital

Ecommerce Business Preparing for Peak Season

Marketing Agency Using Invoice Finance

Property Developer Using Bridging Finance

Get A Clear Overview of Cost Effective Lenders

FAQ’S

DIVE DEEPER

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