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  • Flexible and transparent

    With tailored solutions for your business, we'll provide you with a clear structure of funding and pricing.

  • Dedicated support

    We'll get to understand your ambitions. A dedicated relationship manager will be on hand to provide support.

  • Same day payments

    We can get you access to funds withing 24 hours.

  • Online account management

    You can access your account online to upload, review and check funding availability in real-time.

How does Invoice Finance work?

Don't wait around for weeks for outstanding invoices to be paid. Invoice Finance allows you to release cash into your business by converting the value of your invoices into ready working capital.

  • You submit your outstanding invoices or contractual billing to us
  • We provide immediate access to up to 90% of the value of your outstanding invoices
  • Once your customer pays us, we release the remainder to you less our charges
Mechanic working on machine

Our Invoice Finance options

  • Invoice Discounting

    With invoice discounting you can convert invoices into working capital, whilst staying in control of your own invoice collections, meaning your facility can be completely confidential.

    Suitable if you:

    • Need to access cash tied up in outstanding invoices quickly
    • Have an established in-house credit control department
    • Would like the option of a confidential facility
    Invoice Discounting
  • Factoring

    With Factoring we provide a credit control service, which means you don’t have to worry about chasing up your customers outstanding invoices.

    Suitable if you:

    • Need to access cash tied up in outstanding invoices quickly
    • Do not have an in-house credit control department
    • Benefit from our experienced credit control team to take care of debt collection
    Factoring
  • Asset Based Lending

    Asset Based Lending allows you to access funding by releasing the cash tied up in existing assets, such as machinery and property.

    Suitable if you:

    • Require a higher availability of working capital
    • Need access to funding secured against multiple assets within your business
    • Are looking at change such as restructuring, mergers or acquisitions
    Asset Based Lending
  • Receivables Finance

    Receivables Finance can help if you’re a business that typically sells goods or services to high quality debtors, where payment can be deferred for a longer period of time.

    Suitable if you:

    • Typically operate under contracts
    • You have delivered goods or services, but payment is deferred between one to three years.
    • Your debtor is very high quality and payment is unconditional on future contract performance.
    • Need access to advance funding against your deferred payments
    Receivables Finance

Here's how it works

If you’ve got ambitious plans for your business, then we’ve got the funds to make them happen. Watch our video to find out more.

Why Aldermore Invoice Finance

Whatever your individual requirements are, we’ll work with you to understand your business needs and design a funding facility to meet them.

Flexible & Transparent: With tailored solutions for your business.  We will provide you with a clear structure of funding and pricing
Real Partnership: We get to understand your plans and ambitions, supporting both steady growth or ambitions plans
Day-to Day support: A dedicated relationship manager will be on hand to provide support and advice about invoice finance and business planning – as much or as little as you need
Same Day Payments: Typically we can get you access to funds within 24 hours
Online Account Access: Benefit from the convenience of our E3 Portal where you can access your account to upload, review and check funding availability in real-time

Call centre staff talking to a customer

Supporting businesses like yours

Didsbury Gin's founders, Liam Manton and Mark Smallwood started out using a home-based distillery to create a gin they loved. Others loved it too, fuelling their belief that there was a market for it. Since being founded in 2017, Manchester-based Didsbury Gin has seen some great success and popularity.

Find out how Aldermore supported Didsbury Gin with a flexible Invoice Finance facility.

“Invoice finance removes cash-flow headaches, freeing you up to focus on other things. Now, we don’t panic if another big order comes in, because Aldermore enables us to fulfill it.”

Invoice Finance FAQs

Invoice Finance is a form of short-term borrowing that allows you to borrow money against sales invoices before they've actually been paid.

The way Invoice Financing works is quite simple. You sell your outstanding invoices to Aldermore, and we pay you up to 90% of the full invoice value, up front. Once we have received full payment for the invoice, we'll then return the remaining 10% to you, minus a small fee.

The cost will be dependent on your requirements from the facility and the size of your business. Once we have understood your business needs, we will put a clear proposal together that will outline the facility we can offer along with the fees. The main charges with Invoice Finance are a service fee, which is a percentage of the invoice value, and a discount fee, which is calculated on the balance we advance to you.

It can depend on the facility and your business requirement; however, our setup time scale ranges from a few days to a few weeks. We aim to work closely with you to understand your business plans and requirements to get you up and running as soon as possible.

We understand that cash flow can be one of the biggest challenges for SMEs and we want to be able to support a range of businesses and industries. If you are a business that provides a service or product on credit and raises invoices, you may be eligible for Invoice Finance. As a general rule we do require businesses applying for invoice finance to have a minimum turnover of £750,000. Contact us directly to discuss your individual business needs.

With Invoice Discounting you maintain all direct communication with your customers and collection of your sales ledger. We can offer a confidential invoice discounting facility so your customers needn’t even know that you use Invoice Finance. With Factoring we would collect payment on your behalf from your customers; our experienced and professional credit control team will manage this so that the direct relationship you have with your customers is not impacted.

Find out more

  • Invoice Finance FAQs

    View all of our frequently asked questions.

    Invoice Finance FAQs
  • Customer stories

    Read our invoice finance customer stories, where we share how we've helped businesses like yours.

    Customer stories

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