^Wholesale Invoice Finance - Get a Quote

With Invoice Factoring, UK businesses receive a percentage of their invoice value upfront while the lender takes over the sales ledger and collections process. Suitable for those with at least £100,000 turnover and dealing with creditworthy clients, this option is particularly helpful for businesses in sectors with large debtor books or long payment terms. Factoring enables faster cash access for growth or operational costs. Typical rates are 1% to 3% per month, and initial decisions are made within 1 to 2 weeks.

This flexible option allows firms to raise funds confidentially against unpaid invoices without changing customer relationships. Businesses maintain responsibility for collections while receiving advances from the lender. Discounting fits manufacturing, professional services, and distribution, especially those valuing discretion. Rates range from 0.5% to 5% annually, approvals typically take 1 to 2 weeks, and amounts depend on turnover and invoice quality.

Perfect for UK SMEs with occasional cash flow gaps, Selective Invoice Finance enables businesses to finance individual invoices as needed, rather than the whole sales ledger. This flexibility suits consulting, IT, or project-based sectors and allows for targeted funding to match specific projects or seasonal demand. Typical costs are 2% to 4% per invoice, with decisions generally made within 1 to 2 weeks of submission.