Refinance your invoice finance facility
Review your existing invoice finance arrangement and explore whether refinancing could improve funding, pricing, flexibility or facility structure.
- ✓ For UK Limited Companies and PLCs
- ✓ Turnover from £1m to £250m
- ✓ B2B businesses
- ✓ All sectors considered
What does it mean to refinance invoice finance?
Refinancing an invoice finance facility means reviewing your current arrangement and replacing, restructuring or expanding it where a better-fit option is available.
A business may refinance because its current facility is too restrictive, too expensive, no longer large enough or not aligned with future plans.
Refinancing can involve moving to a new provider, restructuring the existing facility, switching facility type or adding wider funding such as asset-based lending.
The right route depends on your existing agreement, debtor book, current security, notice period, funding requirement and future objectives.
Best suited to: established B2B businesses that already use invoice finance and want to improve funding availability, pricing, structure or flexibility.
Why refinance an invoice finance facility?
Refinancing can help realign your facility with your current trading position, working capital needs and future plans.
Improve funding
Review whether another facility could provide more suitable funding availability or headroom.
Review pricing
Compare whether the current facility remains competitive against wider market options.
Change structure
Explore whether factoring, discounting, confidential discounting or asset-based lending is now more suitable.
Support growth
Refinance to support higher turnover, larger contracts, new customers or expansion plans.
Add asset funding
Consider whether stock, plant, machinery or other assets could support a wider funding structure.
Fund change
Support acquisitions, investment, restructuring, management buyouts or shareholder changes.
Invoice factoring
Useful where your business wants funding plus support with collections and debtor management.
Invoice discounting
Suitable where your business wants to retain control of customer relationships and collections.
Confidential options
Consider where keeping the facility discreet from customers is important to your business.
Asset-based lending
Explore wider funding against invoices, stock, plant, machinery or other eligible assets.
A refinance should be planned around your current facility.
Refinancing may suit businesses that want:
- ✓ More suitable funding availability
- ✓ A different invoice finance structure
- ✓ A review of pricing and terms
- ✓ Support for growth, change or investment
- ✓ A wider asset-based lending facility
Who we help
Invoice Advance works with established UK B2B Limited Companies and PLCs looking to refinance, restructure or replace invoice finance facilities.
- ✓ Businesses already using invoice finance
- ✓ Companies with changing funding needs
- ✓ Businesses seeking a better facility structure
- ✓ All B2B sectors considered
How invoice finance refinancing works
The process starts with a review of your current facility, your business requirements and what you want the refinance to achieve.
Review current facility
Share your provider, facility type, funding limit, pricing and what you want to improve.
Assess requirements
Your debtor book, funding need, current terms and future plans are reviewed.
Compare structures
Where appropriate, replacement or expanded facilities can be compared against your current arrangement.
Plan refinance
If you proceed, the refinance can be planned around security, notice periods and funding continuity.
Invoice finance refinance questions
Common questions from UK businesses considering refinancing an existing invoice finance facility.
Can I refinance an existing invoice finance facility?
Yes. Many businesses refinance invoice finance facilities to improve funding, pricing, service, flexibility or structure. The process depends on your current agreement and replacement options.
Is refinancing the same as switching provider?
They can overlap. Switching usually means moving provider, while refinancing can also include restructuring, expanding or changing the type of facility.
Can refinancing improve funding availability?
In some cases, yes. A different provider or facility structure may offer more suitable availability, but this depends on debtor profile, facility type, trading performance and funder criteria.
What documents may be needed?
Funders may request aged debtor reports, current facility information, latest accounts, recent management accounts and details of existing security or charges.
Can I refinance into asset-based lending?
Potentially. If your business has suitable assets such as invoices, stock, plant or machinery, asset-based lending may be considered as part of a wider refinance.
Start your Quick Quote
Review refinance options for your invoice finance facility. It only takes a minute to start your enquiry.