Invoice Finance
Boost your cash flow with Invoice Finance and get early access to the funds owed to you.
Enquire now for Invoice FinanceWhat 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.
Selective Invoice Finance
For businesses with occasional or seasonal cash flow challenges.
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No long-term commitment
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Choose invoices to fund using our online platform
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Automatically prompt your customers when invoices are due
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Access insight tools to help reduce risk of late payment
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
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Get support with your sales ledger management
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Optimise cash flow to realise benefits for your business e.g. early settlement discounts
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
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Continue to manage your own credit control
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As your debtor book rises, so does the amount of cash you can realise
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To be eligible for our Selective Invoice Finance platform, you should:
- be a limited company
- invoice other UK businesses
- have a compatible accountancy software (PDF, 80KB)
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
How can an Invoice Finance facility help my business?
How does Invoice Finance work?
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
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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.
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Yes, accounts receivables financing is the same as Invoice Financing and allows you to raise funds against unpaid invoices.
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If you use Invoice Factoring or Invoice Finance Manager, yes. Invoice Discounting is a confidential service, so your customers won’t know you are using it.
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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 and credit control tools.
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Invoice Finance uses your sales ledger to unlock up to 90% of your unpaid invoices, typically within 24 hours.
We offer a range of financing options depending on your working capital needs. To make it simple for you to compare our products and decide what works best for you and your business, check out Borrowing for your Business, or speak to one of our Invoice Finance specialists on 0800 169 4356.
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.
Silver Cross
Iconic British childcare brand set to expand after multi-million pound working capital facility from Lloyds Bank.
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.