Invoice Finance
Boost your cash flow with Invoice Finance and get early access to money owed to you. Our dedicated client managers have over 600 years’ combined experience.
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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 both designed to help you access money quickly so you can strengthen your cash flow and support your growth ambitions.
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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Customers make payments directly to us
Invoice Discounting
Manage your own sales ledger and credit control with a confidential service.
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Fund your whole sales ledger
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Continue to manage your own credit control
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Confidential service
- 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
The benefits of using Invoice Finance at Lloyds Bank
“When orders started to increase, I knew I needed financial support to take Flora & Curl to the next level. The support from Lloyds Bank has allowed me to take on much larger orders and build the brand on an international level.”
Rose Ovensehi, Founder and CEO of Flora & Curl
Frequently asked questions
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No, You can apply even if you don’t bank with us.
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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, yes. Invoice Discounting is a confidential service, so your customers won’t know you are using it.
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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.
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Call us 0800 169 4356. Lines are open from 9am to 5pm, Monday to Friday, except public holidays. Alternatively request a call back
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.
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.
The products and services outlined on this site may be offered by legal entities from across Lloyds Banking Group, including Lloyds Bank plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc and Lloyds Bank Corporate Markets plc are separate legal entities within the Lloyds Banking Group.
Lloyds Bank is a trading name of Lloyds Bank plc, Bank of Scotland plc and Lloyds Bank Corporate Markets plc. Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no.2065. Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland no. SC327000. Lloyds Bank Corporate Markets plc. Registered office 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 10399850. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278, 169628 and 763256 respectively.
Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.