At Honey Asset Finance, we understand that waiting for client payments can hold your business back, tying up essential working capital that could be used to fund new projects or seize exciting opportunities. That’s where Invoice Finance comes in. This financial solution allows you to unlock the cash tied up in unpaid invoices, providing your business with a steady stream of funds when you need them most.
Invoice Finance enables you to release the funds tied up in unpaid invoices without waiting for your clients to settle their accounts. Instead of waiting 30, 60, or even 90 days for payment, you can access up to 90% of the invoice value almost immediately, providing the working capital you need to maintain smooth operations, invest in growth, or take on new business opportunities.
By accelerating cash flow, you can avoid the strain of delayed payments and ensure that your business keeps moving forward, without being held back by slow-paying clients.
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Get immediate access to the majority of your invoice's value, helping you bridge gaps in cash flow and ensuring you have the capital to cover day-to-day expenses, payroll, and investments.
With quick access to funds, you can confidently take on new contracts, purchase inventory, or pursue larger projects without worrying about delayed customer payments.
With certain forms of invoice finance, such as confidential invoice discounting, your clients remain unaware of any third-party involvement, allowing you to keep full control of your customer relationships.
There are a few types of Invoice Finance solutions, each designed to offer varying levels of flexibility depending on your needs:
You continue to manage your client relationships and credit control. You simply send a copy of the invoice to your lender, and they advance up to 90% of the invoice's value. When the invoice is paid by your client, you receive the remaining balance, minus a small fee for the service. Invoice discounting is ideal for businesses that want to retain control over their invoicing and collection processes.
This solution allows you to access funds against your invoices while maintaining total control over your sales ledger. Importantly, your clients won’t know that you’re using a third-party finance provider, as everything remains completely confidential. It’s a great option if discretion is important to you.
Unlike invoice discounting, with factoring, the lender takes over the management of your sales ledger and credit control. They will chase and collect payments directly from your clients. This option frees up your time, allowing you to focus on running your business while ensuring timely payments are received.
At Honey Asset Finance, we offer bespoke invoice finance solutions that are designed to fit your business’s unique cash flow needs. Whether it’s your first time using invoice finance or you’re considering switching providers, we offer:
1. Issue Your Invoices
Raise your invoices as normal for goods or services rendered.
2. Submit to Lender
Send a copy of the invoice to your invoice finance provider.
3. Receive Funds
The lender will advance you up to 90% of the invoice’s value within 24 to 48 hours.
4. Client Pays
When your client pays the invoice, the lender releases the remaining balance, minus their service fee.
It’s a quick and simple way to unlock the cash your business needs to thrive, without the long wait for payments.
Invoice finance is a flexible way to unlock the cash tied up in unpaid invoices. Instead of waiting weeks or months for client payments, you can access up to 90% of the invoice value quickly, giving your business the working capital it needs to cover costs, invest, and grow confidently.
In finance, an invoice is a document sent to a client requesting payment for goods or services provided. It outlines what was delivered, the amount due, and payment terms. In invoice finance, these invoices become valuable assets that can be used to access cash before the client actually pays.
To use invoice finance, simply raise your invoice as normal and send a copy to your finance provider. They’ll advance up to 90% of the invoice’s value, often within 24–48 hours. Once your client pays, you’ll receive the remaining balance, minus a small fee for the service.
Invoice financing and receivable financing are often used interchangeably, but there’s a slight difference. Invoice financing typically refers to borrowing against specific unpaid invoices. Receivable financing can include a broader range of customer debts, not just invoices. Both help businesses access cash tied up in money owed by clients.
Invoice financing comes with a cost, but it’s often outweighed by the benefits of improved cash flow. Fees vary based on your turnover, clients, and facility type. At Honey Asset Finance, we offer competitive rates and clear pricing, so you know exactly what you're paying for with no hidden surprises.
Yes, some banks do offer invoice financing, but their processes can be slower and less flexible than independent providers. At Honey Asset Finance, we focus on speed, tailored support, and a personal approach, helping you access the funds you need quickly, without the red tape that often comes with banks.
Still asking the question 'What is Invoice Financing'? Whether you’re looking for a discreet solution like confidential invoice discounting, or you’d prefer the convenience of invoice factoring, Honey Asset Finance can help you find the right option. Contact our team today to discover how we can help you improve your cash flow, reduce financial stress, and accelerate your business growth.
