Invoice discounting for established UK businesses
Release cash tied up in unpaid B2B invoices while keeping control of your customer relationships, collections process and day-to-day credit control.
- ✓ For UK Limited Companies and PLCs
- ✓ Turnover from £1m to £250m
- ✓ B2B businesses
- ✓ All sectors considered
What is invoice discounting?
Invoice discounting is a type of invoice finance that allows a business to access funding against unpaid customer invoices while usually retaining control of collections and customer communication.
When your business raises invoices to other businesses, an invoice discounting provider may advance a percentage of the invoice value before your customer pays. This can improve cashflow and help your business access working capital faster.
Unlike invoice factoring, invoice discounting is typically more focused on funding than credit control support. Your business usually continues to manage customer relationships, payment chasing and collections.
Depending on your business profile and funder criteria, invoice discounting may be available on a confidential basis, meaning customers may not need to know that a facility is in place.
Best suited to: established B2B companies with reliable credit control processes, strong customer relationships and regular invoicing to other businesses.
Why businesses use invoice discounting
Invoice discounting can be useful for established B2B businesses that want faster access to cash while maintaining control of customer relationships.
Improve cashflow
Access funding against unpaid invoices rather than waiting for customers to complete their normal payment terms.
Keep control
Continue managing customer relationships, payment communication and credit control within your own business.
Support growth
Use available working capital to fund new contracts, payroll, suppliers, stock, recruitment or expansion plans.
Confidential options
Depending on funder criteria, facilities may be available on a confidential basis so customer relationships remain discreet.
Flexible funding
Funding availability can grow as your sales ledger grows, helping align working capital with business performance.
Refinance existing facilities
Review your current invoice finance arrangement if service, structure, availability or pricing no longer fits your needs.
Invoice discounting may suit businesses that have:
- ✓ A strong B2B customer base
- ✓ Regular invoices raised to other businesses
- ✓ Internal credit control capability
- ✓ A desire to maintain customer relationships directly
- ✓ Growth, working capital or refinancing requirements
Who we help
Invoice Advance works with established UK B2B Limited Companies and PLCs looking to explore invoice discounting, confidential invoice discounting and wider invoice finance options.
- ✓ Growing and established companies
- ✓ Businesses with long customer payment terms
- ✓ Companies switching or refinancing facilities
- ✓ All B2B sectors considered
Invoice discounting vs invoice factoring
Both options can improve cashflow by releasing funds from unpaid invoices, but they usually differ in how credit control and customer relationships are managed.
Invoice Discounting
Often suits businesses that want to keep control of customer relationships, collections and credit control while accessing funding against unpaid invoices.
Invoice Factoring
Often includes more support with collections and credit control, which can suit businesses that want additional help managing debtor payments.
Confidential facilities
Invoice discounting may be available on a confidential basis, subject to funder criteria, business profile and the strength of your processes.
How invoice discounting quotes work
The process starts with a simple enquiry, then suitable options can be reviewed based on your turnover, debtor profile and funding requirements.
Initial enquiry
Share your business details, turnover, sector and what you want the facility to support.
Facility review
Your requirements are reviewed to identify whether invoice discounting may be suitable.
Indicative options
Where appropriate, suitable funders can provide indicative facility options and pricing.
Next steps
If you want to proceed, funders may request further information to assess the facility.
Invoice discounting questions
Common questions from established UK B2B businesses considering invoice discounting.
Is invoice discounting confidential?
Invoice discounting can be confidential, subject to funder criteria and the profile of your business. Confidential facilities are often suited to companies that want to maintain direct customer relationships and manage their own credit control.
How is invoice discounting different from factoring?
Invoice discounting usually allows your business to keep control of customer communication and collections. Invoice factoring often includes more support from the funder with collections and credit control.
What type of businesses use invoice discounting?
Invoice discounting is often used by established B2B businesses that raise invoices to other businesses, have reliable internal processes and want to improve cashflow while retaining customer relationship control.
Can invoice discounting support growth?
Yes. Invoice discounting can help release working capital from unpaid invoices, which may support new contracts, recruitment, supplier payments, stock purchases or expansion plans.
Can I switch an existing invoice discounting facility?
Yes. Businesses often review facilities because of pricing, funding availability, service, structure or changing requirements. Invoice Advance can help explore suitable alternatives.
Start your Quick Quote
Explore invoice discounting options for your business. It only takes a minute to start your enquiry.