Easy Invoice Finance is a UK-based independent financier specialising in invoice-based working capital solutions for small and medium-sized enterprises (SMEs). While details on its founding year and FCA regulation status are not publicly disclosed, it offers invoice finance products such as factoring and discounting designed to support businesses trading on credit terms. This lender suits established UK SMEs looking for flexible working capital options rather than traditional term loans. Learn more about invoice factoring and invoice discounting to understand these finance types.
Key Features of Easy Invoice Finance
This lender provides practical tools and services uncommon with generalist financiers, enhancing client control and flexibility.
- Secure online portal offering 24/7 access to funding availability and ledger updates with credit-limit checks (invoice finance calculator).
- Optional bad-debt protection to reduce credit-risk exposure on eligible invoices (what is invoice finance).
- Dedicated relationship managers supporting day-to-day needs and reporting suite for debtor analysis (invoice financing options).
Funding Eligibility
You may qualify for funding if your business meets minimum trading periods typically ranging from six months to two years depending on the chosen facility. Annual turnover thresholds typically start at £250,000, but selective invoice finance might accept lower turnovers. The lender restricts services to UK-registered companies trading mainly with UK debtors, excluding certain sectors such as retail consumer sales, gambling, adult entertainment, and export debt over 25% of the ledger. Review comprehensive eligibility requirements and accounts receivable considerations for invoice finance.
Loan Options
Easy Invoice Finance offers several invoice-finance products tailored to business needs, ranging from single invoices to sector-specific factoring.
- Selective / Spot Invoice Finance: £10,000 to £500,000 per invoice, advanced up to 90%. Repayment aligns with debtor settlement (30-90 days typical). No long-term contracts. Rates from 2% to 4% flat fee per 30 days. Learn about selective invoice financing.
- Confidential Invoice Discounting: Facilities between £100,000 and £7,500,000. Rolling 12-month agreements. Advances up to 90% of eligible invoices. Discount charges typically range from 1.25% to 2.75% per 30 days. Confidential funding with no customer notification. More on invoice discounting.
- Whole-Ledger Factoring: Revolving facilities from £50,000 to £5,000,000, advance rates up to 90%. Minimum turnover £250,000 with 6-12 months trading. Discount charges between 1.5% and 3.0% per 30 days, plus service and arrangement fees. Includes credit-control services. See invoice factoring explained.
- Construction Finance (Sector-Specific Factoring): £50,000 to £2,000,000 facility limits. Advances up to 70% of payment applications. Requires 12 months trading in construction. Discount fees from 2% to 3.5% per 30 days. Tailored for CIS and JCT contracts. Details on construction industry scheme.
How to Apply
The application process is fully remote and includes quick decision times following document submission.
- Submit an online enquiry form to initiate the process (online enquiry form).
- Provide financial documents such as recent management accounts, aged debtor and creditor reports, and identification for directors (required documents guide).
- Undergo a credit and eligibility review typically returning an indicative offer within 24 hours and full approval within 3-5 working days.
- Sign legal agreements followed by initial and subsequent invoice funding, often within two working days (invoice finance process overview).
Funding Agent’s view on Easy Invoice Finance
Easy Invoice Finance suits UK SMEs needing invoice-backed working capital solutions, particularly those established beyond start-up phase. Its exclusive focus on invoice finance means it does not offer term loans or asset finance but does provide a range of flexible factoring and discounting options. Businesses can check their eligibility or compare invoice finance products across the market to match specific needs. This lender is appropriate for firms wanting to outsource credit control or maintain confidentiality in funding arrangements, with some limitations applying to sectors and turnover.
