^Supply Chain Finance Ireland - Get a Quote Today

With Reverse Factoring, suppliers submit invoices to the finance provider after buyer approval. The provider then pays suppliers early, helping suppliers improve cash flow without changing the buyer’s payment schedule. It's an effective option for sectors such as manufacturing and retail with extended terms and major buyer relationships. Typical facilities range from £50,000 to £10 million, with decision times of 1 to 3 weeks and rates from 5% to 12% based on credit rating.

This facility is suitable for businesses with high inventory turnover and robust management systems. The finance provider offers funding secured against inventory, freeing up cash to invest in new stock or bridge seasonal demand. Wholesale and retail sectors often use this type, with typical amounts between £100,000 and £5 million. Decision times are 2 to 4 weeks, and rates are 7% to 15%.

This option is suited to UK businesses with regular outgoing supplier payments and complex supply requirements. An intermediary pays your suppliers upfront, and you then repay over a set extended term. Sectors like technology and manufacturing benefit, with facilities from £75,000 to £8 million, terms of 3 to 12 months, and rates from 6% to 10% depending on the buyer’s creditworthiness.