Ongoing Invoice Finance

Invoice Factoring and Invoice Discounting solutions to support businesses with an ongoing need for funding.

Invoice Factoring

We can help you manage your sales ledger and support your credit control processes.

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

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.

Key features and benefits

  • Faster access to cash
    Release up to 90% of an invoice value, typically within 24 hours of receiving it.
  • Increased flexibility
    As your debtor book rises, the amount of cash you can realise will rise with it.
  • Power to negotiate
    With earlier access to funds, you can negotiate early payment discounts with suppliers.
  • Scalable finance
    Your available funding will grow in line with your business sales.
  • International opportunities
    We offer Invoice Finance for both UK and overseas debt in a range of different currencies.
  • Ongoing support
    Support from a dedicated Client Manager and a UK-based specialist Invoice Finance team.
  • Manage your facility online
    Access to an intuitive, online system where you can easily manage your facility.
Get a quote


Invoice Factoring and Invoice Discounting are available to new and existing Lloyds Bank customers.

  • Your turnover must be more than £50,000 per annum for Invoice Factoring
  • Your turnover must be more than £250,000 per annum for Invoice Discounting
  • You must sell business-to-business and on credit terms. 

What we'd need to know:

  • Your projected annual turnover
  • Your active debtors.

Discuss your needs with an Invoice Finance specialist

Call 0800 169 4356

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

Submit an enquiry

How does Invoice Finance work?


How Invoice Factoring works

How Invoice Discounting works

  • 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.

    How quickly can I get funded?

    You will usually receive the advance within 24 hours.

    Will my customers know I use Invoice Finance?

    If you use Invoice Factoring, yes. Invoice Discounting is a confidential service, so your customers won’t know you are using it.

    I don’t want to fund all of my sales ledger, what are my options?

    Invoice Finance Manager is suitable for customers with occasional or seasonal cash flow challenges. Choose the invoices you want to fund, without committing your whole sales ledger. Additional benefits include access to a suite of risk insight tools.

    More about Invoice Finance Manager 

  • To further support our values in being transparent with clients, please view our Operating Conditions Fees and Charges.

    These fees and charges do not apply to clients who typically have an annual turnover of more than £25 million. 

    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. 

Other Invoice Finance solutions

If ongoing Invoice Finance isn’t right for your business, and you only have occasional cash flow challenges, we also offer selective funding.

Choose which invoices you’d like to fund and access a suite of useful risk insight tools to help protect you from the risk of late payment.

Other borrowing options

Whether you're an established business or just starting out, finding the right finance product to meet your needs can be difficult.

We want to make it simple for you to compare and choose our products, whatever your business circumstances.

*This offer is available to businesses who take out an Invoice Factoring or Invoice Discounting 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.