You have done the work and raised the invoice, but payment may still be weeks away. Brooks Beckman helps businesses explore whether invoice finance can support the gap between invoicing customers and receiving their money.
Discuss cash flow pressures created by customers paying on agreed credit terms.
Plan for the costs of taking on more work while earlier invoices remain unpaid.
Consider how a facility could sit alongside your existing funding arrangements.
Invoice finance makes funding available against eligible unpaid business invoices. A provider advances part of the invoice value; the remaining balance is released after the customer pays, less the agreed charges. The proportion available, invoices accepted and facility terms vary by provider.
With factoring, the provider generally manages collections. With invoice discounting, the business generally retains that role. Confidentiality, customer contact and credit control responsibilities depend on the agreement. We start by understanding how you invoice, who your customers are and how you want the relationship with those customers to work.
Review service and funding charges, minimum fees, contract length and notice periods. Check which invoices are eligible, how disputes or late payments affect availability and who bears the risk if a customer does not pay. Funding can change as the invoice book changes. Tell us about any existing security or finance over the same debts.
It is usually a facility linked to eligible invoices rather than a fixed loan repaid over a set term. Availability depends on the invoice book and the provider’s terms.
That depends on the facility and collection arrangements. Some arrangements are confidential; others involve the provider contacting customers. Discuss this before choosing a structure.
Not necessarily. Providers assess the business, its customers and the invoices offered. Overdue, disputed or otherwise ineligible invoices may be excluded from funding.
Further reading: Invoice finance explained — British Business Bank ↗
General information reviewed 19 October 2026. Product availability, eligibility and terms vary by lender.
Start with your business. Let’s explore the next step.