Confidential Invoice Discounting

Confidentially release the funds tied up in your invoices.
Business Finance Team

What is (CID)?

Confidential Invoice Discounting (CID) is a type of financial arrangement commonly used by businesses to access immediate cash flow based on their outstanding invoices. It is a confidential form of invoice financing that allows businesses to obtain funds without their customers being aware of the financing arrangement.

In CID, a business sells its unpaid invoices to a financial institution or a specialised lender. The lender advances a percentage of the invoice value, typically around 70-90%, upfront. The remaining portion, minus fees and interest, is provided to the business once the customer pays the invoice in full. The lender takes ownership of the invoices and manages the collection process directly with the customer.

What sets CID apart from traditional invoice factoring is the confidentiality aspect. Unlike factoring, where customers are notified of the financing arrangement, CID keeps the financing agreement confidential. This allows businesses to maintain a direct relationship with their customers and handle their own credit control and collections, without disclosing the involvement of a third-party lender.

CID can be beneficial for businesses that need immediate working capital to cover operational expenses, invest in growth opportunities, or manage cash flow gaps. It provides a flexible financing option that is linked to the business's sales, allowing them to leverage their accounts receivable and access funds quickly.

Invoice Finance Products

Invoice Factoring

Factoring is a funding solution tailored to your business, aimed at those who rely on payments from customers.

Confidential Invoice Discounting

Confidential Invoice Discounting is ideal for larger businesses, where the role of the lender is not disclosed to your clients.


A Client Handles Own Credit Control facility enables you to continue to collect payments directly from your client.

Spot Factoring

Spot Factoring allows you to pick and choose the invoices you require funding rather than a whole turnover arrangement.

The first steps towards the funding your business deserves
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Unless you are a new start-up company, the minimum turnover most lenders will deal with is £100,000.

Trading History

Similarly to Turnover, start-up companies can get funding. Once you have filed accounts for the year, we can then apply you as a fully-fledged trading business.

UK Registered Businesses

Due to us dealing with UK Based Lenders, we can only find funding solutions for UK Registered Businesses.


How much will an Invoice Finance facility cost?

There are two fees involved with an Invoice Finance facility. The service fee is calculated against the companies turnover, and covers the cost of the lenders service for the facility, including dealing with the collection of the funds, the administration, and the lender maintaining the company’s sales ledger. The other fee involved is the discount fee (interest) this is charged against the money the company borrows from the lender. This is charged daily, and applied monthly. The typical service fee is around 3% annually, and a standard discount fee is around 4.5% monthly.

Am I eligible for an Invoice Finance facility ?

Eligibility varies largely from lender to lender, with some much more flexible, some much less. The basic criteria for applying for an Invoice Finance facility is as follows:
- £100k minimum turnover
- UK Registered Business

If you don’t meet this criteria it isn’t the end of the road, other funding options are available, and this can be discussed with one of our consultants.

How long does it take to arrange an Invoice Finance facility ?

Invoice Finance facilities can be completed in as short as a few days, although the process can take longer. Our aim is always to make the process as quick, and simple as possible.

How much money can I get through an Invoice Finance facility ?

Invoice Finance facilities have varying amounts of accessible funds. Rather than a monetary maximum amount of monies available, Invoice Finance is calculated by what percentage of your invoice can be advanced. Most lenders can advance up to 90% of your invoice value. The percentage of your invoice being advanced also depends on which industry you operate in, with some being more/less preferable.

Why choose Spark Finance?

We are not your average broker. We strive to find you the perfect funding facility for your business, in the easiest way possible. We designate a member of our team of specialist finance consultants to you, walking you through the entire process until the funds are in your hands.

Recovery Loan Scheme

“Would thoroughly recommend using Spark Finance, we had great service all the way through the process from Perry. We will definitely be back should we need any more finance for my business”

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Disclaimer: Spark Finance Ltd (Registered office - 18 John Stow House, London, England, EC3A 7JB, Registered Number 10128297) helps UK firms access business finance. Spark is a credit broker, not a lender. Any quotes provided are for information purposes only and subject to status and separate lender terms and conditions. Applicants must be aged 18 and over.  Guarantees and Indemnities may be required.  Spark Finance may receive commission from lenders  which may vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

Spark Finance Ltd is authorised and regulated by the Financial Conduct Authority in the UK (FRN 958123).