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Invoice Factoring

What is Factoring?

Factoring is a flexible source of working capital that grows in line with your sales. It enables you to access up to 90% of the invoice value the day after you have raised your invoices which enables you to smooth cash flow. Factoring companies also provide credit management services which means that your invoices are collected in professionally and efficiently.


  • Factoring releases the cash tied up in your debtor book and pays up to 90% of invoice value.
  • Factoring outsources the credit control allowing you to focus on growing your business.
  • Factoring is a source of finance that grows in line with your sales.
  • Factoring is available to most businesses that sell goods or provide a service to other businesses.


The criteria for factoring can differ between lenders but in the main there are 3 simple criteria:

  1. Your customers are other businesses and not private individuals.
  2. You sell to those customers on credit terms.
  3. You raise your invoices in arrears of the goods being delivered or your service being provided.

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