Invoice Finance

Strengthen your cash flow by releasing up to 90% of the money tied up in unpaid invoices.

Helping businesses transition out of lockdown

To help accelerate your recovery after 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 Factoring

You can outsource your sales ledger management, monthly statements and payment reconciliation to us, freeing up time for you to focus on building your business.

For businesses with a turnover of more than £50,000. 

Get a quotefor factoring

Invoice Discounting

A confidential service in which you continue to manage your sales ledger and credit control processes.

For businesses with a turnover of more than £250,000. 

Get a quotefor Invoice Discounting

The benefits of Invoice Finance

  • A predictable cash flow helps you plan ahead with confidence.
  • Your facility grows along with your sales, supporting your ambitions.
  • Earlier access to payment may allow you to negotiate early settlement discounts with suppliers. 
  • It can be used for domestic and export debt, with a wide range of currencies available.
  • It’s easy to manage your facility online.
  • You’ll have support from a dedicated Client Manager and a UK-based specialist Invoice Finance team.

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.

Request a call back
  • 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 you, and to get an idea of cost, get your quote now. 

Get a quotefor Invoice Finance

Other finance options

Find out about other Invoice Finance solutions that could benefit your business. 

Get in touch

Call us on 0800 169 4356

Prefer a call back?

One of our specialists will contact you at a convenient time.

*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.