Predictable cash flow

Focus on running your business and plan ahead with confidence. 

Access funds quickly

Receive up to 90% of an invoice value, usually within 24 hours. 

Scalable finance

Your available funding will grow in line with your business sales.

Single Invoice Finance

If you have occasional or seasonal cash flow challenges, we offer Invoice Finance Manager. 

  • No long-term commitment
  • Choose which invoices you’d like to fund
  • Manage your invoices using our intuitive online platform
  • Access a suite of useful risk insight tools to help protect you from the risk of late payment

Our online application is easy, and should only take a few minutes.

 

Apply now

More about single Invoice Finance

  • Invoice Finance Manager is available to new and existing Lloyds Bank customers.

    • You must be a UK-based Limited company and have been trading for at least 6 months
    • You must have a minimum turnover of £100,000 per annum
    • Your invoices to other businesses must be issued in UK currency (GBP)
    • You must have a compatible accountancy software package (PDF, 116 KB)  
    • Each funding request must be at least £7,500 – any single invoice within that request must be worth at least £500. 

Full Invoice Finance

If you would benefit from an ongoing boost to your cash flow, we offer Invoice Factoring and Invoice Discounting. 

  • Fund your whole sales ledger
  • Choose to outsource your sales ledger management and payment reconciliation to us with Invoice Factoring
  • Keep the service confidential with Invoice Discounting
  • Easy management of your facility online

Get an online quote in minutes, without affecting your credit rating.

 

Get a quote

More about full Invoice Finance

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

    • You must have a minimum turnover of £50,000 per annum for Invoice Factoring
    • You must have a minimum turnover of £250,000 per annum for Invoice Discounting
    • You must sell business-to-business and on credit terms. 

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.

Have us call you

Existing customer login

Manage your accounts online and access useful information.

  • Invoice Finance Manager
  • Cash Connect
  • Invoice Finance Online
  • E-Bonded
Existing customersabout Invoice Finance

Solutions for Invoice Finance customers

Debtor Protection

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.

More about Debtor Protection

Asset Based Lending

Increase your working capital by turning business assets into cash.

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

More about Asset Based Lending

Why choose Lloyds Bank?

 

Experience

With over 50 years’ experience in providing Invoice Finance, you can be confident you are dealing with one of the UK’s leading providers.

Expertise

We work hard to understand your unique trading patterns and future ambitions, to provide a solution tailored to your needs.

Efficiency

You’ll have access to an intuitive online system, so you can easily manage your Invoice Finance facility.

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.

View all borrowing

Important legal information

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: No.1, Brookhill Way, Banbury OX16 3EL. Lloyds Bank plc. Registered in England and Wales no. 2065. Registered Office: 25 Gresham Street, London EC2V 7HN. 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. Bank of Scotland plc. Registered in Scotland No.SC327000.  Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration no. 169628.

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