Invoice Finance

Fiducia Commercial Finance work with clients to provide invoice finance options.

Invoice financing provide business with immediate to cash which is often tied up in unpaid invoices.

It provides a range of options for businesses including the opportunity to sell outstanding invoices to a lender or finance company in exchange for a percentage of the invoice value upfront.

These options provides businesses with working capital to cover their expenses and fund growth.

Invoice Finance Options

Fiducia Commercial Solutions can provide an eclectic range of invoice finance options for clients including: 

  • Invoice Discounting – The simplest form of invoice finance. Clients keep charge of credit control, and get paid up to 90% of your invoice’s value on the day that you issue it to your customer, with the balance when they settle.
  • Invoice Factoring – As per Invoice Discounting, plus the lender manages your credit control – this can free up your time to get on with running the business.
  • Selective – You select either the clients or the individual invoices to put into invoice finance, so you only use the facility when your cash flow requires it.
  • Specialist Sector? – Construction Finance, Recruitment Finance and Professional Services Finance are just a few examples of specialist products that could be tailor made for your

Invoice Factoring

Invoice factoring, a business sells its invoices to a factoring company, which then takes responsibility for collecting payment from the customers.

The factoring company advances a percentage of the invoice value, typically around 80-90%, to the business upfront.

Once the customers pay the invoices, the factoring company releases the remaining balance, minus a fee.

Invoice Discounting

Invoice discounting is similar to factoring, but the business retains control over the collection process.

The business sells its invoices to a discounting company and receives an upfront advance, typically around 80-90% of the invoice value.

The business then collects payment from its customers and repays the discounting company.

Invoice discounting is often confidential, meaning customers are unaware of the financing arrangement.

Selective Invoice Finance

Selective invoice finance is another option available in the UK. With selective invoice finance, businesses can choose to finance specific invoices rather than their entire sales ledger. This provides flexibility and allows businesses to access funds for specific needs or to manage cash flow during seasonal fluctuations.

In addition to these options, there are also specialised invoice finance options available for specific industries or situations.

For example, construction finance is designed for businesses in the construction industry, providing funding against certified applications for payment or stage payments.

Export finance is available for businesses that export goods or services, providing funding against invoices from international customers.

The experienced Fiducia Commercial Solutions team work with clients to carefully evaluate their financing needs, the volume and quality of their invoices, and the specific requirements of their industry.

We provide guidance and help navigate the complex invoice finance landscape.

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Like to discuss invoice finance options with our team?