Invoice Finance
Release cash tied up in unpaid invoices.
Invoice finance may allow a business to release cash against unpaid invoices, either through factoring (where the funder manages collections) or invoice discounting (where the business retains control).
Understanding invoice finance.
The suitability depends on the debtor book, sector and how the business manages its ledger.
Amworth is an introducer, not a lender. Nothing on this page is advice, an offer, or an indication that finance will be available to your business.
Real businesses, real timing, real trading patterns.
Whether it fits, and how it can be built.
General indicators only. Providers set their own criteria and reach their own decisions.
This may be worth exploring if…
- You invoice other businesses on credit terms
- A meaningful amount of cash is tied up in your sales ledger
- Your customers are creditworthy and your ledger is well maintained
Common structures within the category
- 01
Invoice factoring
The funder advances against invoices and manages collections. Your customers are aware of the arrangement.
- 02
Invoice discounting
The business retains control of collections. Often confidential, subject to provider criteria.
- 03
Selective or spot invoice finance
Funding raised against selected invoices rather than the whole ledger.
What a provider wants to understand before deciding.
- Purpose of the funding and how it supports the business
- Trading history and turnover
- Profitability and repayment capacity
- Existing borrowing and commitments
- Credit profile of the business and its directors
- Any security available, including personal guarantees
- The quality, spread and concentration of the debtor book
- Payment terms and historic bad debt
Costs vary by provider, product, amount, term and the risk presented. We do not quote rates on this website because pricing is set by the provider following their own assessment. Some facilities are unsecured; others require security over an asset, a debenture, or a personal guarantee. Any costs, fees and security requirements are set out by the provider in writing before you commit.
Documents worth having to hand
Checklist- Latest filed accounts
- Recent management accounts, where available
- Three to six months of business bank statements
- A short summary of what the funding is for
- Details of existing finance agreements
- An aged debtor report
- Sample invoices and standard terms of trade
Nothing here is mandatory before you contact us — it simply makes the first conversation more productive.
Invoice Finance — frequently asked
Related finance routes
Growth & Expansion Funding
Recruitment, new locations, acquisitions, stock, technology and marketing.
Read the routeRefinancing
Restructure, consolidate or replace existing business borrowing.
Read the route
Working Capital Finance
Everyday operating support for stock, wages, suppliers and seasonal pressure.
Read the route
Talk through invoice finance for your business.
Share the purpose, approximate amount and preferred timing. We will review the requirement and discuss possible next steps.