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Invoice Discounting

What is invoice discounting?

Invoice Discounting is a cashflow solution that releases the cash tied up in your debtor book and releases up to 90% of the value of the invoices that you raise. It can be a confidential facility and it also allows you to keep control of the credit management function.


  • Invoice Discounting releases up to 90% of invoice value.
  • Invoice Discounting can be confidential so your customers are unaware of any lenders involvement.
  • Invoice discounting is a flexible source of finance that grows in line with your sales.


The basic criteria for invoice discounting are fairly simple however lenders tend to be fairly cautious when providing these facilities. The three basic criteria are:

  1. You are raising invoices to other businesses.
  2. You are invoicing on credit terms.
  3. You are raising the invoices in arrears of providing a service or delivering a product.

Lenders will also look at how established your business is, the quality of your administration and your financial performance.

You may find that a factoring facility is more suitable if your business:

  • Is a new start business
  • Is loss making
  • Has any adverse history or the directors have any adverse history
  • Does not have the internal resource to do the credit control effectively.

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