Enquire now about Invoice Finance

Enquire now about Invoice Finance

Enquire now about Invoice Finance

Enquire now

What is Invoice Financing?

Invoice Finance provides early access to the funds owed to you in unpaid invoices. Whilst you’re waiting for invoices to be paid by your customers, we can advance up to 90% of the invoice cash value to you, usually within 24 hours.

Our Invoice Finance solutions include Selective Invoice Finance, Invoice Factoring and Invoice Discounting, all designed to help you access funds quickly so you can strengthen cash flow and support your growth ambitions. 

Types of Invoice Finance solutions

Selective Invoice Finance

For businesses with occasional or seasonal cash flow challenges.

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  • No long-term commitment

  • Choose invoices to fund using our online platform

  • Automatically prompt your customers when invoices are due

  • Access insight tools to help reduce risk of late payment

Selective Invoice Finance

Invoice Factoring

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

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  • Fund your whole sales ledger

  • Get support with your sales ledger management

  • Optimise cash flow to realise benefits for your business e.g. early settlement discounts

Invoice Factoring

Invoice Discounting

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

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  • Fund your whole sales ledger

  • Continue to manage your own credit control

  • As your debtor book rises, so does the amount of cash you can realise

Invoice Discounting
  • To be eligible for our Selective Invoice Finance platform, you should:

    To fund invoices, you must meet the above eligibility criteria and you should have:

    • been trading for 6 months or longer
    • a minimum turnover of £100,000 per annum

    To be eligible for Invoice Factoring, you should:

    • sell business-to-business and on credit terms
    • have a minimum turnover of £50,000 per annum

    To be eligible for Invoice Discounting, you should:

    • sell business-to-business and on credit terms
    • have a minimum turnover of £250,000 per annum 

Financial support for rising business costs

Financial support for rising business costs

We are waiving our arrangement fee on new Invoice Factoring and Discounting facilities. Benefit from zero service charges on your first month as well as a 1% reduction on your first six months’ discount charge. Valid only on new Invoice Factoring and Discounting products until the end of June 2023.

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How can an Invoice Finance facility help my business?

Faster access to up to 90% of the value of your invoices

Usually paid within 24 hours

Flexible solutions

Fund individual or multiple invoices, or your full sales ledger

Optional credit control support

Save time on issuing statements, reminders and performing credit control

Easy to manage

Improve cash flow using an intuitive online platform

Predict cash flow

Plan ahead with confidence in your cash flow

Scalable finance

Grow your available funding in line with business sales

How does Invoice Finance work?

Supply

You supply goods or services to your customer, and they are sent an invoice.

Invoice

We pay you up to 90% of the value of the invoice, typically within 24 hours.

Funding

You can use funding to support your day-to-day cash flow, or to support your growth ambitions.

Complete

When your customer pays the full value of the invoice, you receive the remaining balance, minus our fee.

Talk to an Invoice Finance specialist

Talk to an Invoice Finance specialist

Request a call back or call 0800 169 4356

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

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Why choose Lloyds Bank as your Invoice Finance company?

Experience

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

Expertise

You’ll be supported by our UK-based Invoice Finance team who can tailor a solution to match your trading patterns and business goals.

Efficiency

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

Frequently asked questions

Invoice Finance: UK success stories

WJC Security

When London-based WJC Security pivoted during the COVID-19 pandemic, our Lloyds Bank selective invoice financing platform, Invoice Finance Manager, offered the support and flexibility the company needed to help them grow.

Read WJC Security case study 

Silver Cross

Iconic British childcare brand set to expand after multi-million pound working capital facility from Lloyds Bank.

Read Silver Cross case study

Existing customer login

Manage your accounts online and access useful information.

  • Invoice Finance Manager
  • Cash Connect
  • Invoice Finance Online
  • E-Bonded
Manage your 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

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help 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: 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.