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BIZL

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Invoice Finance

Unlock cash tied up in invoices

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Funding Amount

£50k-£10m

Advance rate

Up to 90% of invoice

Time to Funds

As Little as 7 days

A credit line to allow your business to grow

Invoice finance helps growing B2B companies unlock cash tied up in invoices speeding up cash flow.  This flexible credit line gives you the working capital required to take on new clients, fund new contracts or pay suppliers quicker.

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What is invoice finance?

Invoice finance helps B2B companies unlock cash tied up in invoices therefore speeding up cash flow. A line of credit is put in place allowing you to access up to 90% of the value of the invoices due to you. Invoice finance is a general term covering invoice discounting, factoring and construction finance.

How does invoice finance work?

  • You provide the goods/services to your customer and invoice them
  • You key the invoice details onto the invoice finance provider’s system
  • A percentage of the face value of the invoice is paid to you
  • For an invoice discounting facility you then chase and collect payment from your client as normal
  • For an invoice factoring facility the lender will chase and collect payment from your client on your behalf
  • When your client pays the balance of the invoice is paid back to you – less fees payable to the lender

Read our Client Stories

Find out about how we’ve supported a women’s fashion wholesaler with invoice finance

Read Client Stories

Am I eligible for invoice finance?

Invoice finance funds B2B (business-to-business) invoices. So, if your clients are other businesses and you sell them a product or a services then you’re likely to be eligible for invoice finance. Invoices to individuals cannot be funded. Typically this finance is for Limited Companies as the lender will require a debenture (a floating charge over the debts of a Limited Company).

Another key is that you invoice in arrears. A product or service has to have been delivered for invoice finance to work. You won’t be able to fund invoices raised in advance of the work.

All lenders will have their preferred sectors, and many lenders won’t fund the construction sector for example. However, there are specialist invoice finance providers who fund more complex scenarios like the construction sector where there are staged payments, valuations and so on. 

Read some more about eligibility here.

Recently completed facilities

  • £475,000
  • Fashion wholesale
  • 85% funding
  • £150,000
  • Construction
  • 50% funding
  • £700,000
  • Fruit & veg wholesale
  • 85% funding

What are the benefits?

Cash is received quicker

Rather than waiting 30/60/90 days for your invoice to get paid the majority of the value of the invoice is cashed in up front helping cash flow.

Leverage your biggest asset

A business’s debtor book (outstanding invoices) is often their biggest asset. This type of finance leverages that asset, normally meaning security over property is not required.

Invest in the business

Cash can be put to work back in the business – funding growth, funding new contracts, improving negotiating power with creditors and so on.

Flexible growth

This type of finance can be more flexible than loan or overdraft finance – which is great for growing businesses. The credit limit grows proportionally to the debtor book, unlike loans and overdrafts which are normally limited by the value of tangible security available (property).

Improve credit control

Under Invoice Factoring the lender chases and collects payments on your behalf meaning you don’t need to undertake that credit-control function.

Borrow more

Borrowing against your outstanding invoices can raise more cash than loan finance. Funding is agreed as a percentage of your sales ledger, unlike loan finance which is agreed in proportion to your profitability.

How quickly can I get it set up?

Getting set up for invoice finance varies in process from lender to lender. Some alternative finance lenders can get a facility done and dusted in days while traditional lenders can take a month.

A typical process is submission of an application (including financial accounts, an aged debtor and aged creditor list and other general business details) followed by an indication of terms after a day or two. Once terms have been agreed a “survey” or “audit” will be instructed. This is a deep dive into your credit control processes, records and history. This can take a week or so, followed by a full credit underwriting process.

Your finance is waiting

Talk to one of our Business Finance Specialists. We’re on hand to take you through the options available.

Book consultation
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Business Finance

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We are BIZL Limited (company number 10838494). Our registered office is Aldgate Tower, 2 Leman Street, London, E1W 9US. We are authorised and regulated by the Financial Conduct Authority. Registered No: 784499. We are registered with the Information Commissioner’s Office as a Data Controller. Registration reference: ZA267003.

We are a credit broker of business finance; we are not a lender or finance provider. Security may be required. We are independent and work with a number of carefully selected lenders. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed

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