Understand your options first.
Plain-English guides to invoice finance, written for business owners and finance directors.
Factoring vs invoice discounting: which fits your business?
Both fund you against unpaid invoices. The split comes down to who chases payment, who your customers see, and how mature your finance function already is.
Invoice finance vs a bank loan, honestly costed
Bank term loans look cheap on a headline rate. Once you factor in speed, flexibility, dilution of headroom and early-repayment penalties, the true three-year cost looks very different.
Why your facility renewal date matters more than you think
Most invoice finance facilities silently roll onto worse terms each year. Knowing your renewal date ninety days out is the single biggest lever you have on pricing.
Debtor concentration: how your customer mix affects your facility
If one customer is more than 30% of your sales ledger, every invoice finance underwriter in the country will spot it. Here is how lenders price for concentration and what you can do about it.
A short guide to revolving credit facilities
Revolving credit facilities sit somewhere between an overdraft and a term loan. Here is how they actually work, what they cost and where they fit.