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Invoice Finance
Boost your cash flow with Invoice Finance and get early access to money owed to you.
- Get cash early - we'll pay you up to 90% of your invoice value.
- Over 60 years of invoice finance experience.
- Sector-specific expertise.
Why choose us for Invoice Finance?
What types of business benefit from Invoice Finance?
We support a range of established and successful businesses that sell business-to-business on credit terms. Some of the industry sectors that we support include:
How does Invoice Finance work?
Customer stories
Island Delight
Discover how Island Delight accelerated business growth by unlocking working capital through Invoice Finance with Lloyds.
Montash
"The support from Lloyds will continue to allow us to scale our operations, especially as we make inroads into the US market and grow our brands. We are excited about the next 20 years and the possibilities that lie ahead as we continue to grow and innovate."
Andy Larholt, Group CEO and Founder, Montash
Westaway Sausages
“We credit Lloyds Bank’s support with allowing us to punch above our weight. It has enabled us to seize new contracts and act quickly, even when faced with short payment terms from suppliers.”
Ilona Baughan, Finance Director, Westaway Sausages
Not sure how it works?
There are some common misconceptions about Invoice Finance. Watch this video to learn more about Invoice Finance and how it could support your business.
Watch now
Frequently asked questions
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With Invoice Discounting, you manage your own sales ledger and credit control with a confidential service. With Invoice Factoring, you can get help with you managing your sales ledger and credit control.
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It depends on the service you take out. If you use our Invoice Discounting product it is a confidential service.
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No, you can apply even if you don’t bank with us.
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It won't, although we review your personal credit files as part of our checks, it won't affect your credit score or ability to get personal finance.
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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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Invoice Factoring (also known as debt factoring) is a type of Invoice Financing that allows you to release cash quickly from your sales ledger on an ongoing basis, to improve your cashflow.
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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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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. Find out more about Debtor Protection
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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.
Other options for your business
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.
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.