Invoice Finance: The Complete Guide

Invoice Factoring

Invoice factoring is one of the most widely used forms of invoice finance in the UK. By selling your outstanding invoice...

Invoice Discounting

Invoice discounting allows businesses to borrow against their outstanding invoices while retaining full control of their...

Confidential Invoice Discounting

Confidential invoice discounting provides all the cash flow benefits of invoice finance while keeping the arrangement co...

Selective Invoice Finance

Selective invoice finance gives you the flexibility to fund individual invoices or specific customers without committing...

Spot Factoring

Spot factoring allows you to sell individual invoices to a finance provider without entering a whole-ledger facility. It...

Construction Invoice Finance

Construction businesses face unique cash flow challenges, including interim applications for payment, retention clauses,...

Recruitment Invoice Finance

Recruitment agencies face a well-known cash flow challenge: paying temporary workers weekly while waiting 30 to 90 days ...

Manufacturing Invoice Finance

Manufacturing businesses typically operate with extended payment cycles, significant stock holdings, and large individua...

Logistics Invoice Finance

Logistics and transport businesses often deal with high operational costs, tight margins, and extended payment terms fro...

Wholesale Invoice Finance

Wholesale businesses typically hold significant stock, carry large individual invoices, and deal with buyers on extended...

Cash Flow Forecasting

A cash flow forecast tells you how much money you expect to come in and go out of your business over a defined period. I...

Working Capital

Working capital is the lifeblood of a trading business. It represents the funds available to run your day-to-day operati...

Debtor Days

Debtor days measures the average number of days it takes your customers to pay their invoices. It is one of the most imp...

Creditor Days

Creditor days measures how long, on average, a business takes to pay its suppliers. Extending creditor days is a legitim...

Cash Conversion Cycle

The cash conversion cycle (CCC) measures the number of days between paying for inputs (stock, materials, labour) and rec...

Liquidity Ratio

Liquidity ratios measure a business's ability to meet its short-term financial obligations. They are one of the most imp...

Quick Ratio (Acid Test Ratio)

The quick ratio, also known as the acid test ratio, measures a business's ability to meet its short-term liabilities usi...

Current Ratio

The current ratio is the most widely used liquidity metric in business finance. It compares a business's current assets ...

Cash Flow Statement

The cash flow statement is one of the three core financial statements, alongside the profit and loss account and the bal...

Profit vs Cash Flow

One of the most common misconceptions in business is that if a company is profitable, it must have healthy cash flow. In...

Aged Debtors

An aged debtors report shows you how much your customers owe you, broken down by how long each invoice has been outstand...

Credit Control

Credit control is the process of managing and collecting customer payments to minimise overdue balances and bad debts. A...

How to Chase Unpaid Invoices

Late payment is one of the biggest threats to UK small business cash flow. Knowing how to chase invoices effectively, pr...

How to Write a Business Invoice

A correctly structured invoice is the foundation of your credit control process. Invoices that are missing information, ...

Invoice Payment Terms

The payment terms you set on your invoices directly affect your cash flow. Setting appropriate terms, communicating them...

Invoice Finance Costs Explained

Understanding the cost of invoice finance is essential before committing to a facility. Unlike a traditional loan with a...

Invoice Finance Fees: What to Expect

Invoice finance facilities come with multiple fee types, not all of which are clearly disclosed in headline pricing. Und...

Invoice Discounting Costs

Invoice discounting is generally less expensive than factoring because you manage your own credit control. Understanding...

Invoice Finance vs Business Loans

Invoice finance and business loans are both tools for funding your business, but they work in very different ways. The r...

Factoring vs Discounting: Key Differences

Invoice factoring and invoice discounting both release cash from outstanding invoices, but they differ in who manages cr...

Invoice Finance vs Business Overdraft

A business overdraft and an invoice finance facility both provide flexible working capital, but they operate very differ...