Invoice finance is a powerful tool that allows businesses to access funds tied up in unpaid invoices, improving cash flow and fuelling growth. Here's what you need to know.
Invoice finance is a flexible funding solution that enables businesses to borrow money against the value of their unpaid invoices. Instead of waiting 30, 60, or even 120 days for customers to pay, you can receive up to 100% of the invoice value within 24 hours.
1. You issue invoices to your customers as usual.
2. The provider advances you up to 100% of the invoice value, often within 24 hours.
3. Your customer pays the invoice.
4. You receive the remaining balance minus the provider's fees.
We offer a range of asset finance solutions to suit your unique business needs:
Invoice Factoring
• The funder manages your sales ledger and collects payment from your customers.
• Your customers are aware of the arrangement.
Invoice Discounting
• You maintain control of your sales ledger and collect payments yourself.
• Confidential arrangement - customers are unaware.
Selective Invoice Finance
• Choose which invoices to finance.
• Flexible option for businesses with fluctuating cash flow needs
Benefits of Invoice Finance
Improved Cash Flow: Access funds tied up in unpaid invoices quickly
Growth Opportunities: Invest in new projects, stock, or expansion without waiting for payments
Flexibility: Funding grows with your business as turnover increases
Quick Access: Obtain funds within 24 hours, faster than traditional loans
Reduced Admin: Some providers handle credit control, saving you time
Invoice finance could be an excellent solution if you:
• Regularly invoice clients for goods or services.
• Need to bridge the gap between invoicing and receiving payments.
• Want to improve cash flow without taking on traditional debt?
• Are you looking for a flexible funding solution that grows with your business?
Explore invoice finance options today and fuel your business growth! Invoice factoring and invoice discounting are both forms of invoice finance, but they have several key differences.
Credit Control and Collections
Invoice factoring: The factoring company manages the sales ledger and collects payments from customers.
Invoice discounting: The business retains control over credit control and collections, managing its own sales ledger.
Customer Awareness
Invoice factoring: Customers are aware that their invoices have been factored to a third-party.
Invoice discounting: The arrangement is typically confidential, and customers are unaware of the financing.
Invoice factoring: Generally more expensive, with a service fee plus an administration fee (typically 1.5-5% of the invoice total).
Invoice discounting: Usually less expensive, costing about 0.75-2.5% of the invoices' total value.
Invoice factoring: Typically provides 75-85% of the invoice value upfront.
Invoice discounting: The advance rate can vary, but up to 100% is possible depending on circumstances.
Amplify is a business operated by Rubin Coral Limited, CRN 12304877
Registered office 19 Market Square, C/O MC Accountants, Sandbach, CW11 1AT
Authorised and Regulated by the Financial Conduct Authority. Firm reference number: 924377
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