About Invoice Factoring: A UK Invoice Finance Broker

Who Invoice Factoring Is

Invoice Factoring is a UK company focused on one area of business funding: money released against unpaid business invoices. Concentrating on a single field lets us spend our time on the details that decide whether a facility works in practice, such as payment terms, customer concentration, disputes and the way collections are handled.

Every conversation begins with the business rather than a product. What do you sell, how do you bill, when do customers usually settle and which costs fall due before that money arrives? Those answers shape the recommendation far more than any headline figure, and they help us spot early on whether invoice finance is the right tool at all.

What We Arrange and What the Funder Provides

Using an invoice finance broker only helps if you are clear about who does what. Invoice Factoring arranges facilities; it does not provide the money. The funder makes its own assessment, carries out due diligence, sets the advance, fees and contract terms, and, where factoring is involved, runs collections under the agreement through the funder's credit control team.

What we do for you

• Review your invoices, customer base, payment terms and funding requirement.
• Work out which facility type suits the way your business operates.
• Arrange a facility with a funder whose criteria match your circumstances.
• Explain the proposed terms, costs and responsibilities so you can make an informed decision.

What stays with the funder and with you

Approval, pricing and the final contract rest with the funder, and all funding is subject to its assessment and agreement. Your business stays responsible for its goods, services and customer contracts, and for supplying accurate records throughout the life of the facility.

How We Work, From First Contact to Signed Agreement

When an enquiry arrives, the first task is to understand the shortfall. We want to know which bills you need to meet, when they fall due and how that compares with customer receipts. A seasonal dip calls for a different answer from a recurring monthly squeeze, and a problem that funding alone cannot solve is better identified now than after a contract is signed.

Looking beyond turnover

Turnover and invoice values are a starting point, but the funder will also weigh your customers' payment records, any large single balances, contractual conditions and existing finance or security. Invoice Factoring asks for this information at the outset so the assessment reflects reality. An optimistic estimate that falls apart at due diligence wastes your time.

Matching the facility to the business

With six facility types to choose from, we are not obliged to fit you into one product. A firm that wants help chasing payments might be pointed towards factoring, while one with a capable accounts team might be better placed with discounting. You can see the full range on our invoice finance services page.

Going through the proposal together

When a funder puts forward terms, we take you through them line by line. That covers the advance, who contacts your customers, what you must report each month, any security or personal undertakings requested, and how to leave the facility if your needs change. Questions are welcome at every stage, and nothing proceeds until you are comfortable with what you are agreeing to.

Our Approach to Charges and Contract Terms

A single percentage never tells the whole story. Facilities can include service fees, discount charges on drawn funds, set-up costs, minimum fees, audit charges, protection premiums, notice periods and exit terms. We set all of these out together so you can judge the net cash available against the expected cost and the work your own team will still do.

Any fees connected with arranging the facility should be confirmed in writing before you proceed. Illustrations on this site are examples to explain how facilities work, not quotations, and the signed agreement with the funder is what governs the arrangement.

Protecting the Relationships You Have Built With Customers

Your customers already have routines for statements, reminders and queries, and a change in who contacts them needs careful planning. Invoice Factoring asks about sensitive accounts, confidentiality needs and any limits on customer contact before a proposal is put forward, because these points can rule certain funders in or out.

Where keeping the arrangement private matters, confidential invoice factoring or discounting may be worth exploring. Where the funder will handle collections, we encourage you to agree how disputes are passed back to your team and how reminders are worded, so the facility supports your reputation rather than straining it.

Businesses We Work With Across the UK

We help companies that invoice other businesses on credit terms, including manufacturers, distributors, recruitment and staffing firms, transport operators, construction trades and professional service providers. Some need ongoing working capital, others want to fund a single large invoice, and some mainly want protection against a customer failing. Start-ups can enquire too, although funders' appetite for newer businesses varies.

National reach with a North East focus

Invoice Factoring serves businesses throughout the UK. We also publish local guides for firms in North East England, and you can find the towns and cities covered on our areas we serve page.

Talk to Invoice Factoring About Your Cash Flow

The easiest first step is to request a free, no-obligation quote through the form on this page. Tell us your annual turnover, typical monthly invoicing, usual payment terms and the gap you want to close, and mention any overdue accounts, disputes or existing finance. If you prefer, you can reach us through our contact page or by email at info@invoicefactoring.org.uk.

We will review the details, ask any follow-up questions and explain which facilities look realistic for your business. You remain free to compare the proposal with other options before deciding.