Our Invoice Finance solutions are provided by Lloyds Bank. 

What 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 provided by Lloyds Bank include Invoice Factoring and Invoice Discounting, all designed to help you access funds quickly so you can strengthen 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.

  • Fund your whole sales ledger
  • Get support with your sales ledger management
  • Optimise cash flow to realise benefits for your business e.g. early settlement discounts
Get a quote

Invoice Discounting

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

  • 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
Get a quote
  • To be eligible for our Selective Invoice Finance platform, you should:

    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 does Invoice Finance work?

Supply

You supply goods or services and send your customer an invoice.

Payment

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

Use funds

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

Complete

When your customer pays, you receive the remaining balance, minus our fee.

Talk to an Invoice Finance specialist

Talk to an Invoice Finance specialist

Call Lloyds Bank on 0800 169 4356 or you can request Lloyds Bank call you.

Our Lloyds Bank specialists are available from 9am to 5pm, Monday to Friday, except public holidays.

Request a call back

Frequently asked questions

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.