Invoice Finance

Early access to the money your business has earned.

Our Invoice Finance solutions are provided by Lloyds Bank. 

Boost your cash flow

Release up to 90% of an unpaid invoice. 

Quick access to funds

Receive funds usually within 24 hours of your request.

Funding that grows with you

Your available funding grows in line with your business sales. 

Single Invoice Finance

If you have occasional cash flow challenges, Invoice Finance Manager may be a suitable solution for your business.
  • No long-term commitment
  • Select the invoices you want to fund
  • Manage your invoices online
  • Access useful tools to help protect you from the risk of late payment.
Visit Lloyds Bank
  • Invoice Finance Manager is available to new and existing Bank of Scotland customers.
    • You must be a UK-based Limited company and have been trading for at least 6 months
    • You must have a minimum turnover of £100,000 per annum
    • Your invoices to other businesses must be issued in UK currency (GBP)
    • You must have a compatible accountancy software package (PDF, 116 KB)  
    • Each funding request must be at least £7,500 – any single invoice within that request must be worth at least £500. 

Full Invoice Finance

If you need ongoing support with your cash flow, Invoice Factoring or Invoice Discounting could benefit your business.
  • Fund your entire sales ledger
  • Optional sales ledger management support with Invoice Factoring
  • Keep the service confidential from your customers with Invoice Discounting
  • Easy management of your facility online.  
Visit Lloyds Bank
  • Invoice Factoring and Invoice Discounting are available to new and existing Bank of Scotland customers.
    • You must have a minimum turnover of £50,000 per annum for Invoice Factoring
    • You must have a minimum turnover of £250,000 per annum for Invoice Discounting
    • You must sell business-to-business and on credit terms.

Talk to an Invoice Finance specialist

Call Lloyds Bank on 0800 169 4356

Lines are open 9am to 5pm, Monday to Friday, except public holidays. 

Solutions for Invoice Finance customers

Available to businesses with an existing Lloyds Bank Invoice Factoring or Invoice Discounting product.

Debtor Protection

Protect up to 90% of the value of your invoice, should your customer fail to pay.

To be eligible, you’ll need an existing Lloyds Bank Invoice Factoring or Invoice Discounting facility, and your turnover must be more than £200,000 per annum.

Asset Based Lending

Increase your working capital by turning business assets into cash.

To be eligible, you’ll need an existing Lloyds Bank Invoice Discounting facility, and your turnover must be more than £10 million per annum. 

Factoring and Invoice Discounting may be provided by  one or more of Lloyds Bank Commercial Finance, Lloyds Bank plc or Bank of Scotland plc. Asset Based Lending and Debtor Protection facilities are provided by Lloyds Bank Commercial Finance. Lloyds Bank Commercial Finance Ltd.

Registered Office: No.1, Brookhill Way, Banbury OX16 3EL. Registered in England and Wales no.733011.

Lloyds Bank plc. Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.