Invoice Finance

Access the money tied up in unpaid invoices. Invoice Finance allows businesses to release up to 90% of an invoice-value to help strengthen cash flow.

Invoice Factoring

With Invoice Factoring, when you’ve sent an invoice and  you’re waiting to be paid,  we will advance the money to you.

Your customers will know you are using this service.

Get a quotefor factoring

Invoice Discounting

With Invoice Discounting, when you’ve sent an invoice and  you’re waiting to be paid,  we will advance the money to you.

Your customers will not know you are using this service. 

Get a quotefor Invoice Discounting

Key features and benefits

  • Predictable cash flow allows you to focus on running your business and plan ahead with confidence.
  • Your available cash flow can grow as your sales develop, helping support your growth ambitions without being limited by unpaid invoices.
  • Our online-based service lets you manage your facility and check your funding availability easily.
  • You will be supported by a dedicated Client Manager and a UK-based specialist Invoice Finance service team.
  • Earlier access to payments may allow you to pay your own suppliers sooner, providing an opportunity to negotiate early payment discounts.
  • Invoice Finance is offered on both domestic and export debt with a wide range currencies available.

Is my business eligible?

  • Factoring – you should have a projected annual turnover of £50,000 plus  
  • Invoice Discounting – you should have a projected annual turnover of £250,000 plus
  • You must sell business-to-business and on credit terms
  • You do not have to be a Lloyds Bank client.

What we’d need to know

  • Your projected annual turnover
  • Your active debtors.

Talk to one of our Invoice Finance specialists

Call 0800 169 4356

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

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How Factoring works

Video transcript available here

How Invoice Discounting works

Video transcript available here

  • To further support our values in being transparent with clients, we have made our other Fees and Charges (PDF) brochure available for you to download and keep.

    These fees and charges do not apply to clients who typically have an annual turnover greater than £25m. If you are an existing client and are unsure whether these other Fees and Charges are applicable to you please check with your Client Manager.

  • Invoice Finance operating conditions

    Read the definition of terms used in Lloyds Bank Commercial Finance’s operating conditions, and details of the agreement provisions for our services.

    Please note: these operating conditions do not apply to you if you manage your Invoice Discounting or Factoring facility through the Invoice Finance Online system. The operating conditions applicable to users of Invoice Finance Online are available once you have logged on to Invoice Finance Online, and will have also been provided to you separately.

Get a quote

To find out which Invoice Finance solution is best for your business, and to get an idea of cost, get an instant quote.

Get a quotefor Invoice Finance

Other finance options

Explore other products within Invoice Finance and Asset Based Lending.

Get in touch

If you would like to contact us, call:

0800 169 4356

Would you prefer a call back?

One of our specialists will contact you at a more convenient time to discuss your needs.

*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.