Invoice Finance

Unlock cash tied up in unpaid invoices and give your business greater control over cash flow.

Invoice Finance built for your business

What to expect from Invoice Finance arranged by Foundry — specialist providers compared and an experienced broker managing your application.

Apply now How it works

Best for

Businesses selling to other businesses on agreed credit terms.

Funding available

Linked to the value of your eligible outstanding invoices.

Access to funds

Funding can become available as eligible invoices are raised.

Facility growth

The amount available may increase as your sales and debtor book grow.

Invoice raised today

Your customer pays on 60-day terms

INV-1042

Waiting for payment

Day 60

Cash only arrives when your customer pays

With Invoice Finance

Day 60 · balance released

Agreed proportion released earlyBalance, less fees

Working capital, sooner

84%

What is Invoice Finance?

Invoice Finance allows your business to access money tied up in unpaid customer invoices rather than waiting 30, 60 or 90 days to be paid.

When you raise an eligible invoice, the provider makes an agreed proportion of its value available to your business. The remaining balance is released when your customer pays, less the provider’s fees and charges.

This can provide a more consistent source of working capital, helping you pay wages, suppliers and other day-to-day costs while continuing to offer customers credit terms.

At Foundry Commercial Finance, we’ll take the time to understand your sales process, customer base and cash-flow requirements before helping you explore the available options.

How does Invoice Finance work?

Access working capital sooner instead of waiting weeks or months for customers to pay.

You raise an invoice

You provide goods or services to your customer and issue an invoice under your usual payment terms.

Funds become available

The Invoice Finance provider makes an agreed proportion of the eligible invoice available to your business.

Your customer pays

Your customer settles the invoice in line with the agreed payment terms.

The balance is released

The remaining balance is released to your business, less the provider’s agreed fees and charges.

Benefits of Invoice Finance

Turn unpaid invoices into working capital, without changing how you trade.

Improve cash flow

Access funding from eligible invoices without waiting for customers to reach the end of their payment terms.

Funding that can grow

As your turnover and debtor book increase, the amount available may grow alongside your business.

Meet everyday commitments

Use the additional working capital to pay wages, suppliers, stock and other operating costs.

Support business growth

Take on new orders, larger contracts and additional customers with greater confidence in your available cash flow.

Keep offering credit terms

Continue offering customers the payment terms they expect while accessing the cash tied up in your invoices.

How much does it cost?

Costs vary between providers and may include a service fee, discount charge and other facility-related fees. We’ll explain the full pricing structure before you decide whether to proceed.

Which Invoice Finance option is right for you?

The right facility depends on how your business manages its sales ledger and collections.

01You manage collections

Invoice Discounting

Your business retains responsibility for collecting customer payments while accessing funding against eligible invoices. This can suit established businesses with their own credit-control processes.

02Collections supported

Invoice Factoring

The provider can support the collection of customer payments alongside providing funding against eligible invoices. This may suit businesses that would benefit from additional credit-control support.

Business owner working on a laptop by the window

03Customers not told

Confidential Invoice Discounting

A confidential facility may allow your business to retain control of collections without ordinarily disclosing the arrangement to customers. Availability will depend on the provider and strength of your business.

04Only the invoices you choose

Selective Invoice Finance

Funding is arranged against selected invoices rather than your entire sales ledger. This can be useful where funding is only needed occasionally, subject to provider criteria.

Not sure which option fits your business?

We’ll explain the differences clearly and help you explore the available options.

Speak to an expert

Why choose Foundry for Invoice Finance?

Every business has a different sales cycle, customer base and cash-flow requirement. The right facility should therefore work alongside the way your business operates.

At Foundry Commercial Finance, we’ll compare suitable options from across our panel of lenders and specialist Invoice Finance providers.

An experienced broker will manage your application, explain the funding structure and costs clearly, and keep the process moving through to completion.

Access to specialist Invoice Finance providers

Factoring and Invoice Discounting options

An experienced broker managing your application

Clear support from enquiry through to completion

How much funding can I access?

The amount available will normally depend on the value and quality of your eligible outstanding invoices, the strength of your customers and the provider’s assessment of your sales ledger.

Will my customers know I am using Invoice Finance?

This depends on the type of facility.

Factoring is normally disclosed, while Confidential Invoice Discounting may allow your business to continue collecting payments without ordinarily disclosing the arrangement to customers.

What is the difference between Factoring and Invoice Discounting?

With Invoice Discounting, your business normally retains responsibility for credit control and collecting customer payments.

With Factoring, the provider can support the collection of payments and management of the sales ledger.

Does my business need to sell to other businesses?

Invoice Finance is mainly designed for businesses that sell goods or services to other businesses and issue invoices on agreed credit terms.

It is generally not suitable for ordinary retail sales made directly to consumers.

Can start-up businesses use Invoice Finance?

Potentially. Providers may consider the quality of the customer base, expected turnover, industry experience and strength of the invoices being raised.

Options may be available even where the business has a limited trading history.

What happens if a customer does not pay?

This will depend on the facility and whether any credit protection is included.

Your business may remain responsible for repaying funding advanced against an unpaid invoice, so the terms should be understood before proceeding.

How much does Invoice Finance cost?

Costs vary between providers and may include a service fee, discount charge and other facility-related fees.

We’ll explain the full pricing structure before you decide whether to proceed.

Ready to take control of your cash flow?

Whether you’re dealing with longer payment terms, experiencing rapid growth or preparing for larger contracts, we’ll help you explore the Invoice Finance options available.