Helping you compare,
save and succeed

Compare the best
invoice finance rates

We can help you improve cash flow in under 2 days
We have access to exclusive offers & the lowest rates available
100% free, no obligation quotes
Up to 100% advance rate

We can help you improve cash flow
We have access to exclusive offers
And the lowest rates available

Let's get you started...

Lets get started...

Invoice Finance Finder

Scroll to see how we've helped others

How we've helped others through invoice financing

We can help you get an advance of up to 100% of your unpaid invoices. Whether it's for £5,000 or £1 million – we can help you find the right invoice finance option at the
lowest rate.

  • We're here to support you and your cash flow
  • We've helped business grow through invoice finance
  • We're passionate about helping businesses get access to exclusive offers

They changed their invoice finance provider during a peak period, increasing their funding line by over £1m

Turnover
£21.5m
Funding line
£3m - Increase of £1m
Service Fee
0.25% - Reduction of 0.2%
Discount
3% over LIBOR - Reduction of 1%
Concentration Limit
100%
Recourse Period
90 days EOM
Product
Confidential Invoice Discounting

A startup cleaning business was being paid on a 60 day basis but had to pay staff weekly, an invoice finance facility ensured they could meet wage demands. A 28 day rolling contract enabled them to predict costs and not be tied to a long deal

Turnover
£125,000
Funding line
£40,000
Service Fee
3.75%
Discount
Nil
Concentration Limit
£5000 or double the debtors suggested Equifax rating (whichever is the greater)
Recourse Period
90 days EOM
Product
Disclosed Factoring

Engineering firm is rescued by a £500k factoring line. After struggling following slow trading, releasing money from ledger enabled them to make important payments

Turnover
£2.2m
Funding line
£500,000
Service Fee
0.75%
Discount
4% over LIBOR
Concentration Limit
20%
Recourse Period
90 days EOM
Product
Disclosed Factoring
90%

of our users would
recommend us to others!

Need free advice? We're here for you
Mon - Fri from 09:00 to 17:00

0845 216 0012
What makes us different Business Comparison is here to help business owners no matter how big or small.

We found that as business owners ourselves, finding the best option is not easy to do online. We felt we could do better and provide a service to all small-to-medium sized businesses.

businesscomparison group photo

Late payments and a lack of cash flow can cause major headaches for small business owners and be the difference between commercial success and failure. That’s where invoice financing can offer a valuable solution.

It is a form of short term borrowing whereby a third party will buy your invoice for a fee ensuring that a lack of cash in the here and now won’t stand in the way of your future profit. This frees up both cash and time for you to concentrate on your core business activity and on making it a success.

Depending on the type of invoice finance package you choose you can either use factoring, that’s an invoice financier to manage your sales ledger and collect money owed by your customers, or invoice discounting where you will be lent a percentage of the funds owed to you to drive your business forward, before the debts have been paid and without your customer’s knowledge.

Both routes offer a useful cash injection by providing a large and fast funding stream for your business.

Other products included under the banner of invoice finance include Forward Finance usually aimed at businesses with a lower turnover (£300,000 or less per annum), the Construction Finance sector specifically offering advances against outstanding billing tranches and Selective Finance, Single Finance and Spot Finance which are all terms commonly used for raising funds against individual invoices.

Our promise is to get you the best deal on invoice financing for your business. We offer a free, no obligation quote service so why not give it a try?

Invoice discounting is a way of boosting your cash flow quickly and discreetly.

Depending on the deal on offer, and we endeavour to find you the best, you could sell your invoices to a financier for up to ninety percent of the value owed and you may even have the money in your account within 24 hours!

You retain full control over credit management and pay back the invoice financer’s advance when your debtors settle their balance with you as well as a fee for the service. You then have the option to borrow more money from new sales up to the percentage you have agreed.

Invoice discounting gives you the ability to nurture your relationships with customers while generating the funds you need to grow your business successfully. It offers businesses much more freedom when it comes to arranging finances and is a credible alternative to bank loans or overdrafts.

We have the best deals on invoice discounting at your fingertips. Search now for a free, no obligation quote.

Find out what you’d be able to borrow using our invoice finance calculator.

Interested in invoice finance?

Why not try our free invoice finance comparison service. This is a completely free, no-obligation service that leaves no credit footprint.


Do you want to free up cash owing to you without the hassle of chasing it up? Invoice factoring could be the ideal financial product for your successful business.

Factor finance companies will buy your outstanding invoices from you for up to ninety percent of the value and then chase up your customers for payment. They then provide you with the outstanding amount. Interest and their fee for the service is taken out of this final balance.

They’ll also provide greater peace of mind for you when taking on new customers by running credit checks to increase your chances of dealing with reliable clients who pay on time. You may also be offered help to negotiate better terms with your suppliers.

At Businesscomparison.com we’re committed to helping you find the best invoice factoring deal for your business.

Find out your deal using our invoice finance calculator.

Interested in invoice finance?

Why not try our free invoice finance comparison service. This is a completely free, no-obligation service that leaves no credit footprint.


Invoice discounting is a more direct and discreet form of short term lending taking into account invoices owed to a business. The main purpose is to prevent businesses from having to wait until outstanding funds are collected giving them time and cash to invest more in their business, take on new customers and expand without needing a bank loan.

Who might use it?

Because it is largely confidential, that is the clients still deal directly with the business, it is an appealing form of lending to companies who are established, have higher turnovers and want to retain a personal working relationship with those they have regular dealings with. It also suits businesses with their own finance department who are able to retain responsibility for their credit checking, sales ledger and credit control functions.

In order to apply for invoice discounting

  • You must be trading business to business
  • Have a minimum turnover of £50k per annum net of VAT

What does the financier do?

A third party (i.e. the lender) reviews the outstanding invoices on a business ledger and makes the offer of a loan. This can be anything up to ninety per cent of the invoice.

How does it work?

Businesses can access the funds in as little as 24 hours in just a few simple steps:

  • Send your invoice to the customer as usual
  • Receive an agreed percentage of the invoice from your lender minus their fee
  • Receive the remaining percentage once the customer has settled the payment

How much can I expect to get from my unpaid invoices?

Lending can be anything up to ninety per cent of the invoice sum. Funds can then be transferred as quickly as the next day. This enables businesses to use the loan immediately for running and expansion costs. It’s worth taking into account that it is still the responsibility of the company to collect money from invoices.

What other benefits are there?

A key benefit of invoicing discounting is that it grows with you as your business expands as opposed to a loan that is a set amount. Control over the collection of funds, sales ledger and credit control functions remains with the business. Another plus point is that there is no middle man when it comes to the collection of invoice sums because the business continues to deal directly with its customers. In fact, customers need never know that an invoice discounting agreement is in place.

Interested in invoice finance?

Why not try our free invoice finance comparison service. This is a completely free, no-obligation service that leaves no credit footprint.


Invoice factoring involves a third party doing the leg work when it comes to collecting debts from customers on behalf of businesses, whilst providing them with funds from their invoices in the meantime. It offers a quick and easy solution to cash flow issues as well as peace of mind that comes with the knowledge that debtors will be pursued to pay up.

Who might use it?

Any business that has invoices that need paying by commercial customers! This type of financial support appeals mainly to business leaders who want to spend their time focusing on generating new work and customers rather than chasing cash for completed projects or transactions. It releases the funds they need to grow their business and take on new customers and contracts. For this reason, it’s an option that can appeal strongly to start-up businesses as well as more established companies. It can remove the need for an in house-finance team. Firms from across a wide range of industries are currently using factoring and feeling the benefits - from transport and distribution to services and manufacturing. Recruitment agencies and creative industries may also find this source of funding beneficial.

In order to apply for invoice factoring

  • You must be trading business to business
  • Have a minimum turnover of £50k per annum net of VAT

What does the financer do?

A factor company purchases your outstanding invoices at a discount and then chases up the debtors. They then provide you with the remainder of the balance, less charges for the factor service, when the invoice is paid in full.

How does it work?

The process is fairly straightforward:

  • Process the customer’s job as usual and raise an invoice
  • Forward this invoice to your invoice factoring lender who will wire you an agreed percentage of the invoice
  • The factoring company will collect the owed funds and provide you with the final amount minus interest and their fee

How much can I expect to get from my unpaid invoices?

Some invoice financers will offer businesses up to ninety percent of their invoice value with funds being transferred as quickly as the next day. The immediate boost to cash flow is a key factor in many businesses choosing this type of short term lending. It enables business leaders to concentrate on generating more income while payment for previous work is being chased by the factor company.

Use our handy calculator tool to find out what you could be eligible for.

What other benefits are there?

Another benefit of this type of invoice financing includes an increased chance of dealing with clients who pay on time as factor finance companies will run credit checks on potential customers. For many businesses, especially start-ups, this service can prove invaluable as concerns over whether commercial customers will settle their invoices can be a major cause of stress and take a great deal of time and energy to chase up. Factor finance companies may also provide help to negotiate better terms with your suppliers, therefore enhancing the relationship you have with your clients.

Interested in invoice factoring for your business? Let us help you get the best deal with a free, no obligation quote.

Why not use our invoice finance calculator to get an idea of what you could expect to be offered?

Interested in invoice finance?

Why not try our free invoice finance comparison service. This is a completely free, no-obligation service that leaves no credit footprint.


More than 40,000 UK businesses have borrowed using their invoices at one time or another. There’s no doubt that invoice financing can provide a valuable short term funding opportunity for businesses looking to improve their cash flow and, in many cases, expand their client base. However, despite many similarities, this type of lending is not a case of one size fits all! There are two main routes to this sort of lending and understanding the differences between them is crucial when it comes to getting the right short term borrowing solution for your business.

The main difference between invoice factoring and discounting is with who takes responsibility for the sales ledger and collecting payment from customers.

Invoice factoring means the factor company pursues the payment on behalf of your business:

  • They buy your raised and unpaid invoices for a percentage and at a discount
  • They collect payment from your debtors
  • They provide you with the remainder of the balance once it has been paid
  • They take a fee for the service out of the final payment

Invoice discounting enables businesses to retain their sales ledger and payment collection from their customers:

  • You send an invoice to the customer as usual and a copy to the invoice finance lender
  • The lender purchases your invoice at an agreed percentage of the value minus their fee and usually within 24 hours
  • You keep responsibility over the administration of your invoice
  • You receive the remaining balance of the invoice value less any charges

While both invoice finance routes offer a fast and straightforward path to boosting cash flow for small businesses, other benefits do differ slightly and are worth taking into consideration.

Benefits of using invoice factoring include:

  • It saves time and stress when it comes to chasing customers for payment
  • It allows business leaders to focus on future service delivery, building their business and generating more income
  • It increases your businesses chances of dealing with clients who pay on time because factor finance companies will run credit checks on future customers
  • It offers the potential for you to gain help negotiating better terms with your suppliers

Benefits of using invoice discounting are:

  • Control over the collection of funds, sales ledger and credit control remains within the business
  • You can continue to nurture contacts with customers by collecting directly from them
  • It is discreet form of lending and customers need never know that you are using invoice financing
  • It is very fast - in some cases you can have the funds in your account within 24 hours

It’s worth noting that there are similar guidelines for both types of lending:

  • You must be trading business to business
  • You must have a minimum turnover of £50k per annum net of VAT

Interested in invoice finance?

Why not try our free invoice finance comparison service. This is a completely free, no-obligation service that leaves no credit footprint.


Here are some questions you might want to consider:

  • Do you want your customers to know that you are using invoice financing?
  • Have you the in-house financial resources to handle your own sales ledger and invoice debt collection?
  • Are you a start-up or an established business?
  • Do you enjoy a positive relationship with your customers?
  • Would you benefit from help with negotiating better terms with suppliers?
  • Do you have an issue with clients who pay on time?

Why not use our invoice finance calculator to get an idea of the size of loan you could be eligible for?

Interested in invoice factoring or discounting for your business? Let us help you get the best deal with a free, no obligation quote.

Benefits of our invoice finance comparison

Up to 100% advance rate for you
Our advance rate offers can go up to 100% - this means that you could get up to 100% of the value of your unpaid invoices upfront

Finance from £5,000 to £1,000,000
Invoice finance is a very flexible finance option which enables you to borrow anything from as little as £5,000 up to £1 million

Quick access to funds
With invoice finance, there is a quick turnaround of cash – you could have your finance in your account in just days!

28 day rolling contracts
For peace of mind

Trial periods available
Experience whether invoice finance is the best option for your business before you fully commit

Transparent fees
We won’t add in hidden costs so you can budget to use the service without worrying about the cost

Interested in invoice finance?

Why not try our free invoice finance comparison service. This is a completely free, no-obligation service that leaves no credit footprint.