Debtor Finance


Debtor Finance Products

Debtor finance is a form of funding process. It can pay you a percentage of the value of your invoices within 24 hours. The balance provided when your customer actually pays the bill. Finally, for many businesses this can provide a source of cash flow to help their business grow!

Single Invoice Factoring

Single Invoice Factoring where you can put in one invoice and receive up to a maximum of 90%. The funding of the invoice happens once, verification the work is completed less fees. Due to its flexibility it has the highest fee charged per invoice. Single Invoice Factoring is very affordable as there is no lock in contracts. Therefore, it also has the flexibility to select your invoices you factor in the facility.


Full Service Factoring was created by lenders to suit small to medium businesses without an accounts department. Full Service Factoring provides the small business with a Credit Department. A Collection Department. An Accounts Department. Also provides Finance on invoices. Obviously the more service that is provided the more the overall costs are involved in this facility. With most small business bonus for this facility include not having to chase your outstanding invoices. Keeping and eye on debtors to avoid bad debt, is a must to young growing companies.

Partnership Factoring

Partnership Factoring was formulated for businesses with a full-time booker or accountant. There was no need for the Client to have a factoring company chasing invoices.  Neither focus on setting credit limits, or account management. Partnership Factoring means the client needs less servicing and therefore only needs a finance facility. This facility being the cheapest factoring facility in the finance industry as clients submit invoices and get funding only. The financier still provides credit checks. As well as account management, but a majority of the finance facility in left to the clients hands.

Invoice Discounting

Invoice Discounting and Confidential Discounting are used by the larger finance firms. Confidential Factoring is mainly used by the banks with larger turnovers. These clients have accounts departments. Invoice discounting can be disclosed or undisclosed. This means your debtors, you provide invoices for, are either notified or not. Your firm would send in your ledger being charged a service fee and have the availability to draw up to 80% of the ledger at request. Once funds are drawn you pay commercial interest rates on those amounts until debtor pays. Basically an unsecured Overdraft against your debtors. Furthermore, factoring the oldest form of debtor Finance and is available to all forms of business.

Confidential Factoring

Finally, there is Confidential Factoring is selective Invoice Finance with no lock in contracts. This is often backed by real estate security. You can select which invoices to fund and how many debtor you would like to use. The funding amounts are subject to the amount of equity in your properties. Security may be high! However this option is is cheapest form of selective funding.

Debtor Finance - funding on invoices improves Cashflow.
Debtor Finance – funding on invoices improves Cashflow.

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