Invoice finance: estimate, compare, decide.
Your invoices.
Your cash flow.
Your next move.
Get a funding estimate, explore indicative lender rates and request detailed quotes online through Jim, your business finance assistant. No initial phone call required.
Start with an estimate before sharing contact details. You choose whether to request quotes and take the next step.
From a first estimate
to an informed decision.
Take the next step when you’re ready. We help you understand the options and what progressing involves.
Estimate, then explore rates
See an indicative estimate, then choose whether to request a lender rate table by email.
Request detailed lender quotes
Share the information providers need through Jim, without an initial phone call. Suitable cases can be referred for genuine case-specific lender quotes.
Compare the whole deal
Review costs, available funding, conditions and trade-offs with adviser support.
Apply with support
Choose whether to proceed. An application is submitted only with your authorisation.
Request quotes through our online assistant, with support available through chat, WhatsApp, text or email. Comparisons depend on genuine quotes received and adviser review. A lender Decision in Principle is available only where expressly confirmed by that lender. Provider requirements can change the order and timing.
The headline rate
is just the beginning.
How much can you draw? What will it cost? What happens if your needs change? A useful comparison brings these answers together.
Start with your estimate →| What matters | Option A | Option B |
|---|---|---|
| Funding available | Based on eligible invoices | Based on eligible invoices |
| Total cost | Fees + discount charge | Fees + discount charge |
| Collections | Provider manages | You manage |
| Terms & conditions | Check minimums, notice & security | Check minimums, notice & security |
Genuine comparisons use lender quotes and consistent assumptions. The table above is an example of the comparison format, not a lender offer.
Different businesses.
Different ways to fund invoices.
Invoice factoring
Release cash against eligible invoices, with the provider helping manage collections.
Explore if you want credit-control support.
Invoice discounting
Access funding while retaining responsibility for collections. Confidential arrangements may be available.
Explore if you have established credit control.
Selective invoice finance
Explore funding selected invoices or customer accounts, subject to the provider’s criteria and terms.
Explore if your funding needs are occasional.
Clarity at each step.
Understand the costs
Look beyond headline rates to the charges, assumptions and conditions that affect your business.
A simpler starting point
Begin with an estimate, then share information in stages as you decide whether to progress.
Progress with a clear decision
Explore lender-confirmed conditional decisions where available, then choose whether to authorise an application.
Before you
take the next step.
Understand the basics, the costs and what happens after your estimate.
Do I need a phone call to request invoice finance quotes?
No initial phone call is required. Jim guides you through sharing information and requesting quotes online. You can also share information through chat, WhatsApp, text or email. Providers may need further information or checks before making an offer.
Is an estimate a lender quote?
No. An estimate uses stated assumptions. A lender quote relates to your case and may still carry conditions. Neither automatically confirms approval.
Could my business qualify?
Invoice finance commonly serves businesses invoicing other businesses on credit terms. Suitability depends on your business, invoices, customers and provider appetite. A small or occasional requirement needs a suitability check; an estimate does not establish that a provider is available.
What does it cost?
Charges can include service fees, a discount charge on funds drawn, minimum fees and setup or other charges. Ask what each charge applies to, over what period, and whether additional costs apply.
What information might providers need?
Requirements vary by provider and stage. They may include business details, accounts, outstanding invoices, customer information and your funding requirement. You should be told what is needed and why before supplying it.
Who contacts my customers?
Check the collection and disclosure arrangements in the proposed facility. Do not infer them solely from the product name.
What if a customer does not pay?
Your responsibilities depend on the agreement. Invoice finance does not automatically remove non-payment risk. Ask about recourse, any bad-debt protection and its exclusions.
Can I switch provider?
Alternatives can be explored, but notice, termination costs, security and transfer arrangements need checking before you make a commitment.
How quickly could funding be available?
Setting up a facility requires assessment and information. Timing depends on the provider and your case. Funding against accepted invoices after setup is a different stage from initial approval.
Will there be a credit search?
Check requirements vary by provider and stage. An estimate is not credit approval. Before progressing, ask which checks the provider requires and how they will be recorded.
What is a Decision in Principle?
In this journey, the label is reserved for an expressly confirmed conditional lender decision, subject to stated requirements. A Compare-generated illustration, indicative rate or email request does not create that decision.
Is the emailed rate table a personalised quote?
No. It provides indicative provider information with a review date and assumptions. A detailed lender quote needs further information about your case and is not guaranteed by submitting an email address.
Make your next move
with a clearer picture.
Start with an estimate. Explore lender rates and detailed quotes. Decide whether to progress.
Calculate your estimate →