Invoice Finance

What is Invoice Financing?

Invoice 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 all designed to help you access money quickly so you can strengthen your cash flow and support your growth ambitions.

Types of Invoice Finance solutions

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 – for example early settlement discounts

Invoice Factoring

Invoice Discounting

Manage your own sales ledger and credit control with a confidential service.

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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

Are you eligible?

You can apply for Invoice Factoring or Discounting, if you are:

  • Selling business to business and on credit terms 
  • A business with a minimum turnover of £50,000 per annum for Factoring 
  • A business with a minimum turnover of £250,000 per annum for Discounting.

Keep in mind

  • Each agreement is priced individually to your business 
  • Invoice Discounting is a confidential service, so your customers won’t know you are using it. This is not the case for Invoice Factoring 
  • You can apply even if you don’t bank with us.

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

Available for both UK and overseas debt, in a range of different currencies

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?


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


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


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


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.

Call me back

Why choose Lloyds Bank as your Invoice Finance company?


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


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


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

Frequently asked questions

How Invoice Finance can help you grow

Find out how The Drinks Club used Invoice Finance to boost their cash flow and helped them grow from a start-up in a shed to a full beverage solution.

Read their story
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9 ways to improve cash flow

Effective cash flow management is essential to ensure your business thrives. Read our tips, including getting the right funding in place.

Read the guide

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 select 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.