Invoice Finance

Release Working Capital. Improve Cash Flow. Stay in Control.

Access a significant proportion of the value of your outstanding invoices within 24 hours of raising them, rather than waiting 30, 60 or 90 days for payment.

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About Invoice Finance

What is invoice finance?

Invoice Finance lets you access a significant proportion of the value of your outstanding invoices, typically within 24 hours of raising them, rather than waiting 30, 60 or 90 days for payment. It's a reliable, self-liquidating source of working capital that grows in line with your sales.

It's particularly suited to B2B businesses with credit-sale terms and a need for predictable, consistent cash flow.

Adviser tip. Lenders assess affordability differently depending on your sector and trading history. A short conversation with an adviser upfront can save time by pointing you straight towards lenders likely to say yes.

Key Features

What you can expect

The headline terms currently available through our invoice finance panel.

Funding Amounts

£10,000 to £5 million+, scaling with the value of your sales ledger.

Advance Rate

Typically 80% to 90% of invoice value, released shortly after you raise the invoice.

Flexible Facilities

Confidential or disclosed options are available, depending on what suits your business.

Credit Control

Choose full-service, where the lender manages collections, or selective, where you keep control.

How It Works

Four Clear Steps to Your Funding

We handle the complexity so you can focus on running your business.

Tell Us Your Need

Share details of your sales ledger, payment terms and the funding you're looking for.

Advisor Assessment

A dedicated adviser reviews your payment cycles and customer concentration to shape the right structure.

Matched Solutions

We present suitable invoice finance structures from our panel, clearly explained.

Funding Secured

Once the facility is live, funds are typically released within 24 hours of raising an invoice.

Is This the Right Fit?

When to consider invoice finance

This solution is particularly beneficial for businesses that:

Experience cash flow gaps due to extended payment terms

Are growing rapidly and need working capital to support that growth

Prefer a funding line that scales automatically with sales volume

Wish to outsource or improve their credit control processes

Suitability depends on your sales ledger, sector and customer base. Speak to an adviser for guidance specific to your business, there's no obligation.

Types of Invoice Finance

Choose the structure that fits

Three common ways to release cash from your outstanding invoices.

Factoring

The lender purchases your invoices and takes on credit control and collections. Ideal for businesses with limited internal resource for debtor management.

Invoice Discounting

You retain control over your sales ledger and collections. The facility is confidential, so your customers are unaware of the arrangement.

Selective Invoice Finance

Fund individual invoices case by case, rather than a whole-ledger facility. Maximum flexibility for occasional or seasonal needs.

Why Choose Nexora

A Facility Built Around Your Ledger.

We review your sales ledger, payment cycles and customer concentration to recommend the most suitable structure, then negotiate competitive terms so you retain flexibility and transparency throughout.

Advisor-Led Approach

A dedicated adviser guides you personally, not an automated system.

Honest, Clear Guidance

We explain the trade-offs plainly, including where a product isn't the right fit.

Fast, Confidential Process

We respect your time and privacy throughout the enquiry.

No Obligation

Initial advice is free, with no pressure to proceed.

Speak to an Advisor

Free consultation. No obligation. No hidden fees.

FAQs

Invoice finance questions we're asked often

Typically within 24 hours of raising the invoice, once your facility is set up and running.

Explore other funding routes

Invoice finance isn't the right fit for every situation. Here are other options worth considering.

Ready When You Are

Turn Your Invoices into Working Capital

Talk to our commercial finance advisers today. It's free, confidential and with no obligation.