Factoring

Factoring: Boost Your Cash Flow Quickly

Factoring is a powerful cash flow solution that allows your business to access immediate funds by releasing money tied up in outstanding invoices. Instead of waiting 30, 60, or even 90 days for customers to pay, you receive a significant portion of the invoice value up front—improving liquidity and helping you manage day-to-day operations more efficiently.

In addition to faster payments, factoring can also include outsourced credit control. This means the lender will handle chasing payments on your behalf, saving you valuable time and resources—so you can stay focused on growing your business, not chasing debt.

Invoice Discounting: Maintain Control While Improving Cash Flow

Invoice discounting is an effective way to improve your business’s cash flow by unlocking up to 90% of the value of your unpaid invoices—often within 24 hours. It’s an ideal solution for businesses that offer credit terms, allowing you to access funds immediately rather than waiting 30 to 90 days for customer payments.

This immediate access to working capital can help cover operational costs, invest in new opportunities, and eliminate uncertainty around payment timelines.

Unlike factoring, invoice discounting is confidential. Your business retains full control of credit management and customer relationships. Your customers continue to pay as usual—into a trust account in your company’s name, which is managed by your finance provider. Once payment is received, the remaining balance is released to you.

Selective Invoice Finance: Flexible Funding on Your Terms

Selective Invoice Finance gives your business the flexibility to choose which individual invoices or customers you want to fund—unlike traditional whole-ledger solutions like factoring or invoice discounting, which require all invoices to be included.

This option puts you in control, allowing you to access funding only when it’s needed. Facilities can often be set up quickly, sometimes within just a few days, and typically involve fewer long-term contractual commitments.

While the flexibility of selective finance is a major benefit, it’s important to note that the associated fees are usually higher than those of full-ledger solutions. However, for businesses with occasional or irregular funding needs, it can be a practical and efficient choice.

If your cash flow requirements are more ad-hoc or project-based, selective invoice finance could be the right fit for your business.

Spot Finance: Flexible Funding for Individual Invoices

Spot Finance, also known as Spot Factoring, enables your business to unlock cash from individual invoices—without committing to a full turnover facility. It’s ideal for managing one-off cash flow gaps, particularly when dealing with high-value invoices or extended payment terms.

This flexible solution is designed for businesses that occasionally need funding support, rather than ongoing working capital finance. You choose when and what to fund, making it a practical option for ad-hoc needs.

Many spot finance providers also offer optional bad debt protection, adding an extra layer of security. Approval is typically based on the credit strength of your customer, which is the primary consideration for the lender.

Confidential Factoring: Discreet Support with Credit Control

Confidential Factoring (ConFac) is a hybrid solution that combines elements of both factoring and invoice discounting. It provides the cash flow benefits of traditional factoring, along with professional credit control support—while maintaining complete confidentiality.

Under a ConFac arrangement, the finance provider manages your credit control process discreetly, acting as an extension of your team. Any contact with your customers is carried out on your behalf, without revealing the involvement of a third-party lender.

This solution is ideal for businesses that need assistance with credit management but do not qualify for full invoice discounting. It’s also well-suited to companies that value confidentiality but still want to streamline collections and improve cash flow.

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