Invoice finance
Compare UK invoice discounting providers that advance cash against unpaid B2B invoices while you keep control of credit control and customer collections. Review advance rates, turnover requirements, confidentiality, funding speed and tailored costs.
Keep control of customer collections
Your business generally continues managing customer payments.
Confidential facilities may be available
Some facilities can remain undisclosed to customers.
Compare eligibility, funding & costs
Review advance rates, turnover requirements, funding speed and tailored costs.
Invoice finance
Factoring and discounting nested under Invoice Finance.
Invoice discounting
Business normally keeps collections in-house.
Invoice factoring
Provider normally manages collections.
| Topic | Invoice discounting | Invoice factoring |
|---|---|---|
| Funding against invoices | Yes — linked to eligible unpaid invoices | Yes — linked to eligible unpaid invoices |
| Who manages collections | Business normally keeps collections in-house | Provider normally manages collections |
| Customer awareness | Often confidential where supported | Customers usually know a factor is involved |
| Credit-control support | Credit control stays in-house | Credit-control support often included |
| Confidentiality | Confidential facilities may be available | Traditional factoring is often disclosed |
| Internal administration | Typically needs established in-house credit control | Lower day-to-day credit-control admin |
| Typical business fit | Businesses with established credit-control processes | Businesses wanting outsourced collections |
| Whole-ledger vs selective | Often whole-ledger / ongoing — selective options vary | Often whole sales ledger — selective options vary |
Five questions update the filters below. Funding requirement sits in Advanced filters because many verified providers publish tailored or no universal facility range. We never silently broaden results if nothing matches.
Default order is Provider A–Z. After you answer suitability questions, Best match is a deterministic compatibility score using verified fields only: B2B requirement, turnover bounds, client-managed collections, confidentiality, established credit-control requirement, whole-ledger support, selective-invoice availability, bad-debt protection availability, verified facility range if you enter a funding requirement, and provider role if you request direct vs marketplace. Null facts stay unknown and never count as a positive match. Marketplace examples are not treated as that route’s own facility terms. Affiliate economics never affect ranking.
WiT Money may receive a commission if you proceed through some provider links. This does not determine the factual product information shown or which products qualify for inclusion. How WiT Money makes money →
Product information last checked: 14 September 2026
Default order is Provider A–Z. Best match is a deterministic compatibility score using verified fields only. Affiliate economics do not affect ranking. Null facts stay unknown — never a positive match.
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Invoice value available upfront
Up to 90%
Minimum turnover
Typically above £750,000 annual turnover
Confidentiality
Confidential facility available
Collections
You keep control of collections
Credit control
In-house credit control required
Funding speed
Up to 90% available within 24 hours of sending each invoice
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Invoice value available upfront
Up to 95%
Minimum turnover
Not publicly stated
Confidentiality
Confidential facility available
Collections
You keep control of collections
Credit control
Not publicly stated
Funding speed
Often within 24 hours of issuing invoices
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Invoice value available upfront
Up to 90%
Minimum turnover
Minimum £750,000 annual turnover
Confidentiality
Confidential facility available
Collections
You keep control of collections
Credit control
In-house credit control required
Funding speed
Up to 90% available instantly when invoices are raised through IDeal
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Invoice value available upfront
Up to 90%
Minimum turnover
Not publicly stated
Confidentiality
Confidential facility available
Collections
You keep control of collections
Credit control
In-house credit control required
Funding speed
Current page says up to 90% can be advanced within 24 hours
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Marketplace / broker
Terms depend on selected provider
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Invoice value available upfront
Up to 95%
Minimum turnover
Actual or projected annual business turnover of £1m+
Confidentiality
Confidential facility available
Collections
You keep control of collections
Credit control
Not publicly stated
Funding speed
Up to 95% the next working day or sooner; product page also describes same-day invoice funding
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Invoice value available upfront
Up to 90%
Minimum turnover
Minimum £100,000 annual turnover
Confidentiality
Confidential facility available
Collections
You keep control of collections
Credit control
Not publicly stated
Funding speed
Usually within 24 hours; existing portal can provide same-day payments subject to cut-offs
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Invoice value available upfront
Up to 90%
Minimum turnover
Not publicly stated
Confidentiality
Confidential facility available
Collections
You keep control of collections
Credit control
In-house credit control required
Funding speed
Up to 90% against outstanding invoices, typically within 24 hours
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Invoice value available upfront
Up to 90%
Minimum turnover
Over £300k; businesses over £25m are directed to specialist team
Confidentiality
Confidential facility available
Collections
You keep control of collections
Credit control
In-house credit control required
Funding speed
Up to 90%, in multiple currencies, within 24 hours
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Marketplace / broker
Terms depend on selected provider
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Invoice value available upfront
Up to 90%
Minimum turnover
Not publicly stated
Confidentiality
Confidential facility available
Collections
You keep control of collections
Credit control
In-house credit control required
Funding speed
Typically up to 90% within 24 hours after invoices are raised
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Invoice value available upfront
Up to 90%
Minimum turnover
Not publicly stated
Confidentiality
Confidential facility available
Collections
You keep control of collections
Credit control
Not publicly stated
Funding speed
Up to 90% of sales ledger / unpaid invoices within 24 hours
You’ll continue on the provider’s website. WiT Money may receive a commission or referral fee.
Invoice value available upfront
Up to 95%
Minimum turnover
Not publicly stated
Confidentiality
Confidential facility available
Collections
You keep control of collections
Credit control
Not publicly stated
Funding speed
Funds within 24 hours of receiving invoices once live
Facility
Up to £10m
Invoice discounting facilities are subject to status, invoice eligibility and underwriting. Advance rates, fees and turnover thresholds are taken from official provider disclosures and may change. Blank fields mean not verified. Confidentiality and bad-debt protection are not automatic. Marketplace/broker routes introduce panel providers — panel terms are not the broker’s own discounting product terms. Always confirm current terms with the provider.
Advance rate
The advance rate is the percentage of an eligible invoice that may be made available before the customer pays. It is not an APR and does not mean every invoice is funded at that rate.
Illustrative example only
Illustrative example only. Fees usually reduce the amount retained after settlement. Eligibility and advance rates vary by provider and invoice.
A higher advance rate is not automatically better — service fees and discount / finance charges both affect net cash received.
Fees & charges
Invoice discounting is usually individually priced. Compare total expected cost, advance rate and service requirements rather than one headline fee.
Administration and facility cost for running the discounting arrangement.
Charge on money drawn or advanced against eligible invoices.
Provider and product dependent — may include protection or other facility charges.
Invoice discounting example
Enter an invoice value, advance percentage and illustrative fees. This is not a provider quote.
Illustrative only — not a provider quote.
Formula: initial advance = invoice value × advance %; retained balance = invoice value − advance; illustrative total cost = service fee + funding charge.
Illustrative outputs
Illustrative only — not a provider quote. Actual invoice-discounting costs depend on provider pricing, amount drawn, funding period, debtor profile, turnover and facility structure. This calculator does not provide a quote or guarantee of funding.
Confidentiality
Some invoice-discounting facilities can be confidential, meaning customers may not be told that funding is being provided against invoices. Availability depends on the provider and facility structure.
Customer may not be notified.
Customer notification / payment instructions may identify the finance provider.
Confidentiality is not assumed for every facility — confirm notification and payment arrangements before signing.
Credit risk
Recourse and bad-debt protection are separate questions. Protection is not automatic and does not cover every non-payment scenario.
If a customer does not pay, the business generally remains responsible for the funded amount, subject to the facility agreement.
Some facilities may protect against certain approved debtor insolvency or non-payment risks, subject to limits, conditions and exclusions.
Check exactly what risks are covered.
Debtor book
Providers assess the businesses that owe you money. High concentration can limit advances even when individual customers look strong.
Providers may assess whether customers appear able to pay.
A high reliance on one debtor can affect availability.
Invoices typically need to be valid, undisputed and eligible.
Historic customer payment behaviour may matter.
Credit control
Invoice discounting generally requires your business to keep managing collections — unlike typical invoice factoring.
A broader portfolio of eligible invoices is included in the facility.
The business chooses individual invoices to fund where the provider supports it.
Businesses wanting the provider to handle credit control may prefer invoice factoring — the products are related but not interchangeable.
Compare Invoice FactoringSuitability
Best suited to established B2B businesses with in-house credit control that want funding without outsourcing collections — not every cash-flow need.
Alternatives
Invoice discounting is not a conventional fixed-term loan. Compare structure, customer involvement and total cost.
| Aspect | Discounting | Loan |
|---|---|---|
| Funding basis | Linked to eligible unpaid invoices | Usually a fixed lump-sum based on credit assessment |
| How funds are accessed | Advance against submitted eligible invoices | Lump sum drawn once approved |
| Collections | Business keeps collections | No direct involvement with customer collections |
| Customer involvement | Customers may be unaffected where confidential | Customers usually unaffected |
| Cost structure | Service fee and discount / finance charges | Interest / APR and arrangement fees |
| Facility size | Can scale with eligible receivables | Fixed borrowing amount for the term |
| Repayment structure | Settled as customers pay invoices (less fees) | Usually scheduled instalments |
| Typical use | Working capital tied up in receivables | Broader planned expenditure or working capital |
| Aspect | Discounting | Overdraft |
|---|---|---|
| Funding basis | Funding tied to eligible receivables | Linked to a business current account |
| Access to cash | Advance against submitted eligible invoices | Draw when needed up to an agreed limit |
| Growth with sales | Can grow with the invoice book | Limited to the arranged overdraft facility |
| Collections | Business keeps collections | No direct involvement with customer collections |
| Pricing | Service + finance charges | Interest generally charged on the amount used |
| Best suited | Cash tied up in B2B receivables | Short-term fluctuating account cash-flow gaps |
Before you apply
Prioritise advance rate, total fees, confidentiality, collections control, recourse and concentration — not funding speed alone.
Regulation
Invoice discounting is business finance. Regulatory treatment can depend on the provider, customer type and specific activity.
Where relevant, check the firm and applicable permissions on the FCA Register. Do not assume every commercial invoice-discounting facility is regulated like consumer credit. FCA Register.
FAQs
Quick answers before comparing providers or applying.
Default order is Provider A–Z. After you answer suitability questions, Best match is a deterministic compatibility score using verified fields only: B2B requirement, turnover bounds, client-managed collections, confidentiality, established credit-control requirement, whole-ledger support, selective-invoice availability, bad-debt protection availability, verified facility range if you enter a funding requirement, and provider role if you request direct vs marketplace. Null facts stay unknown and never count as a positive match. Marketplace examples are not treated as that route’s own facility terms. Affiliate economics never affect ranking.
Commercial relationships do not determine ranking by themselves. A higher advance rate is not automatically a better facility, and confidentiality is not assumed for every product.
Reference links only — these organisations do not endorse WIT Money.
Found an outdated advance rate, fee, confidentiality term or eligibility requirement?
Email contact@witfinancegroup.com. We review reported inaccuracies and update verified information promptly.
Review advance rates, total fees, confidentiality, collections and recourse carefully — then explore related invoice finance options.