We’re here to help businesses transition out of lockdown

To unlock working capital and improve your cash flow, we offer a range of Invoice Finance solutions. By giving you quicker access to money you’re owed, our bespoke funding solutions can help you meet your short-term needs and support your long-term growth while also helping you to manage risk.

As a way to support your recovery post lockdown, we’re offering a 1% discount margin on all funds advanced until March 2021*. You’ll also benefit from no arrangement fees and zero service charge for the first month.

Invoice Finance

Enjoy earlier access to incoming payments for products or services you’ve provided.

An agreed percentage of the value of an invoice will typically be released to you upfront, and once the invoice has been settled, the remaining funds will be made available, minus a small fee.

Choose between Invoice Factoring and Invoice Discounting, depending on your needs.

Available even if you bank elsewhere, and if your business turnover is more than £50,000. 

Find out moreabout Invoice Finance

Existing Invoice Finance customers

Manage your account online and access useful information. 

Find out more

Get a quote for Invoice Finance

To be eligible you need to have a projected turnover of £50,000 per annum or more, and trade business-to-business on credit terms.

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Debtor Protection

Build confidence in your UK and international trading by protecting your business from the financial impact of customers failing to pay. A good option if you sell to businesses on unsecured credit terms.

Only available alongside a Lloyds Bank Invoice Finance facility, and if your business turnover is more than £200,000. 

Find out moreabout Debtor Protection

Asset Based Lending

Increase your working capital by turning business assets such as property or machinery into cash. Popular with businesses seeking growth, as an alternative to more traditional funding.

Only available alongside a Lloyds Bank Invoice Discounting facility, and if your business turnover is more than £10 million. 

Find out more

Talk to one of our specialists

Call 0800 169 4356

We’re available from 9am to 5pm, Monday to Friday, except public holidays. 

Request a call back

More about Invoice Finance

Why use Invoice Finance?
Instant access to funds helps strengthen your cash flow, giving you increased flexibility and headroom between incurring expenses e.g. buying goods and manufacturing costs, and selling products. You can use funds to support growth, develop new products, target new markets or finance acquisitions.

What is the time frame for Invoice Finance?
You will usually receive the advance within 24 hours.

Will my customers know I use Invoice Finance?
If you opt for Invoice Factoring, yes. If you use Invoice Discounting, no. 

*This offer is available to new customers who take out an Invoice Finance product between 1 October 2020 and 28 February 2021. Fee reductions will apply until 31 March 2021. Terms and conditions apply. 

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Telephone calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.

Factoring and Invoice Discounting facilities may be provided by one or more of Lloyds Bank Commercial Finance Limited, Lloyds Bank plc and Bank of Scotland plc.

Lloyds Bank Commercial Finance Limited, Registered in England & Wales no. 733011. Registered Office: No1 Brookhill Way, Banbury, Oxfordshire, OX16 3EL.

When using Asset Finance your agreement will be with a Lloyds Banking Group company whose terms and conditions will apply. The provision of credit or leasing services by us is subject to your meeting our Credit approval. Please ensure that you only apply for credit or leasing services that you can comfortably afford.