Invoice Finance Scotland | Factoring & Invoice Discounting

Two ways to use Invoice Finance

Option 1 — Invoice Factoring

You supply your goods or services, raise your invoice, and the lender advances up to 90% of the value the same day. The lender's credit management team then chases payment on your behalf. When your customer pays, you receive the remaining balance minus an agreed fee.

Good for:

Saving time chasing late payments
Dedicated relationship manager
Professional credit control team handles collections
Free up time to focus on running your business

How it works:

You invoice→ Lender pays you up to 90%→ Lender collects from your customer→ You receive the balance minus fee

Option 2 — Invoice Discounting

The same immediate cash advance of up to 90%, but you retain full control of your sales ledger and continue collecting payments from your customers yourself. Crucially, it is entirely confidential: your customers never know the facility is in place.

Good for:

Fully confidential — your customers are never aware
You maintain the customer relationship and credit control
Access up to 90% of invoice value instantly
Grows with your business

How it works:

You invoice→ Lender pays you up to 90%→ You collect from your customer as normal→ You receive the balance minus fee

The key difference is who manages your credit control. If you want to hand that over and save time chasing payments, factoring is likely the better fit. If you want to keep the relationship with your customers fully in your own hands and keep the facility confidential, invoice discounting may suit you better.

Is Invoice Finance right for your business?

Your business invoices other businesses (B2B)
You are experiencing cash flow pressure from long payment terms
You are growing and need cash to keep pace with demand
You want to stop waiting weeks or months to access money you have already earned

Invoice Finance

Two ways to use Invoice Finance

Option 1 — Invoice Factoring

Option 2 — Invoice Discounting

Is Invoice Finance right for your business?

Ready to stop waiting to be paid?