Business Overdrafts
Be financially flexible with a business overdraft.
Boost your cash flow with Invoice Finance and get early access to money owed to you. Our dedicated client managers have over 600 years’ combined experience.
Get a quoteInvoice Finance provides early access to the money owed to you in unpaid invoices. While you’re waiting for invoices to be paid by your customers, we can advance up to 90% of the invoice cash value to you. This is usually within 24 hours of applying.
Our Invoice Finance solutions include Invoice Factoring and Invoice Discounting. They are both designed to help you access money quickly so you can strengthen your cash flow and support your growth ambitions.
We can help you manage your sales ledger and support your credit control processes.
Fund your whole sales ledger
Get support with your sales ledger management
Customers make payments directly to us
Manage your own sales ledger and credit control with a confidential service.
Fund your whole sales ledger
Continue to manage your own credit control
Confidential service
Customers failing to pay the money owed to you is a risk that every business faces, and the consequences can be detrimental. Debtor protection aims to protect your business from the risk of unpaid invoices. It is an additional service that works alongside Invoice Finance and can help protect a business from bad debts, non-payment or insolvency. Our Debtor Protection is a low-cost, easy to manage facility that will protect up to 90% of the value of your invoices, giving you peace of mind.
No, you can apply even if you don’t bank with us.
Fast 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.
Yes, accounts receivables financing is the same as Invoice Financing and allows you to raise funds against unpaid invoices.
If you use Invoice Factoring, yes. Invoice Discounting is a confidential service, so your customers won’t know you are using it.
Invoice Finance uses your sales ledger to unlock up to 90% of your unpaid invoices, typically within 24 hours. Invoice Finance available funds grows in line with your business sales unlike loans and overdrafts.
Give yourself peace of mind by protecting up to 90% of an invoice, should your customer fail to pay.
Available alongside a Lloyds Bank Invoice Factoring or Invoice Discounting facility, and if your business turnover is more than £200,000.