Invoice Finance

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Building Your Vision, Funding Your Future.​

Our mission is to provide tailored invoice financing solutions that empower your business to overcome financial challenges and reach new heights. We’re here to help you resolve:

What is a Invoice Finance?

Invoice finance is a financial solution that enables businesses to access funds based on the value of their outstanding invoices. Instead of waiting 30, 60, or even 90 days for payment, you can receive a significant percentage of your invoice value upfront. This helps stabilise cash flow, ensuring your business has the working capital it needs to thrive.

Key types of invoice financing include:
Invoice Discounting: Maintain control of your credit management while accessing funds quickly and discreetly.
Small Business Invoice Factoring: Let a third party manage your invoicing and collections, giving you access to funds and more time to focus on your business.

No matter your industry or size, our tailored invoice financing solutions help you bridge gaps in cash flow and maintain financial stability.

Enhance Cash Flow

Unlock the value of your outstanding invoices, ensuring a steady influx of working capital

Reduce Credit Risk

Transfer the risk of non-payment to the finance provider, allowing you to focus on core business activities

Accelerate Growth

Use invoice finance to take on more projects or clients, seize opportunities, and expand your business.

Flexible Funding

Tailor the solution to your business's needs, with the ability to finance one invoice or many.

Our Services

Invoice Finance

At Howe Commercial Finance, we provide bespoke invoice financing solutions to help businesses unlock the value tied up in unpaid invoices. Whether you’re a small business struggling with cash flow or an established company looking to improve working capital, our expert team is here to assist with Invoice Finance For Small Business. Our team of experts will work closely with you to structure financing solutions that align with your business objectives.

  1. Invoice Factoring: Sell your outstanding invoices and receive immediate cash to fuel your operations.

  2. Invoice Discounting: Access funds while maintaining control over the collection of outstanding invoices.

  3. Selective Invoice Finance: Choose specific invoices to finance, providing flexibility tailored to your cash flow needs.

  4. Bad Debt Protection: Safeguard your business from potential losses by insuring against customer insolvency.

We proudly serve clients across Derby, Nottingham, Stafford, and Uttoxeter, offering tailored invoice finance services designed to meet your specific needs.

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Ready to explore how invoice finance can transform your business?

Holistic Approach

Who Can Benefit from Invoice Finance?

Our invoice finance solutions are ideal for businesses of all sizes, including:

  • Small Businesses: Struggling with late payments? Small business invoice factoring provides immediate access to cash.
  • Growing Companies: Use invoice discounting to scale your operations without waiting for customers to pay.
  • Established Enterprises: Manage large sales ledgers efficiently with comprehensive invoice financing options.

Whether you’re a start-up, a growing business, or an established company, we can help you maintain cash flow and support your growth.

5/5

As experts in invoice financing solutions, we understand the unique challenges businesses face when managing cash flow. Here’s why businesses trust us:

Tailored Solutions

Every business is unique, and we customise our invoice financing services to fit your needs.

Fast Access to Funds

Our streamlined process ensures you get the capital you need quickly.

Expert Guidance

With years of experience, we offer advice and support to help you make the best financial decisions.

Broad Industry Experience

We work with businesses across a wide range of industries, from retail and manufacturing to professional services.

Trade Financing

How Does the Invoice Finance Process Work?

We make the invoice finance process simple and efficient:

Initial Consultation: Our team works with you to understand your business’s cash flow needs and determine the best solution.

Approval: We assess your invoices and approve funding quickly.

Funding Release: Receive up to 90% of the invoice value within 24-48 hours.

Final Payment: Once your customer pays, the remaining balance (minus our fees) is released to you.

With our expert support, you can focus on running your business while we take care of your cash flow.

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A quick, no obligation chat to discuss your business goals and the best finance solutions to get you there.
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Frequently Asked Questions

The process begins with your business sending invoices to clients as usual. You then choose which invoices to finance. A finance provider advances you a percentage of the invoice’s value and collects the full amount from the client. Once the client pays, you receive the remaining amount, minus the provider’s fee.

Yes, businesses of all sizes can benefit from invoice finance. It is particularly useful for small and medium-sized enterprises (SMEs) seeking to manage cash flow and pursue growth opportunities

Invoice finance is most suitable for businesses with outstanding invoices, as it leverages these invoices to provide immediate working capital. However, it can also be used as a proactive cash flow management tool.

The setup time can vary but is often relatively quick, with businesses typically able to access funds within a few days to a couple of weeks.

Fees can vary by provider but typically include a discount or factor fee, charged as a percentage of the invoice value, and other administrative fees.

You can choose which invoices to finance, providing flexibility to meet your specific cash flow needs. This is often referred to as selective invoice finance.