Release the cash tied up in unpaid invoices instead of waiting 30, 60, or 90 days for customers to pay — funding that grows in line with your sales.
If your business invoices other businesses on credit terms, invoice finance turns those unpaid invoices into available cash.
Release a percentage of an invoice's value as soon as it's raised, with the remainder paid once your customer settles.
Access funding against your sales ledger while keeping credit control in-house — your customers need not know it's in place.
Funding that scales automatically with your invoice volume, useful for businesses growing faster than their cash flow allows.
Typical invoice values, customer base, and how much of your ledger you'd want to fund against.
We match your business against invoice finance providers suited to your sector and ledger size.
Terms are set for how much of each invoice's value is released upfront, and how the remainder is settled.
As new invoices are raised, funding is released against them — cash flow that moves with your sales.
Factoring typically involves the provider managing credit control and collecting payment directly from your customers. Invoice discounting keeps that process in-house, so your customers aren't aware funding is in place.
This varies by provider and sector, but an initial advance of a significant percentage of the invoice value is common, with the balance paid once the customer settles, minus fees.
With invoice discounting, generally no — credit control stays with you. With factoring, the provider often deals with customers directly for collection.
It can, though lender appetite may vary if your ledger is concentrated in a small number of customers rather than spread across many.
Ace Finance UK arranges unregulated finance products only. Invoice finance (factoring and invoice discounting) is a commercial funding product secured against your sales ledger; terms, advance rates, and fees vary by provider. Nothing on this page constitutes a funding offer.
Ace Finance UK is not authorised or regulated by the Financial Conduct Authority. We do not arrange regulated activity of any kind and do not provide regulated financial advice.