Invoice Finance

Release funds tied up in your invoices within 24 hours.

What we offer

Unsecured Business Loans

A traditional Loan Facility with no rates starting as low as 1.3% APR.

Invoice Finance

Release funds tied up in your invoices within 24 hours.

Secured Business Loans

A Business Loan with security offered, typically a property or asset, with equity attached.

Asset Finance

Gain funding, or refinance, assets in your business, such as equipment, plant or vehicles.

Benefits of Invoice Finance

It is common knowledge that when a company invoices another, it generally takes anything from 30 days to 120 days (sometimes more) before that company receives payment from its debtor. This can have an impact on business and stop them from continuing to trade, together with allowing them to grow to their full potential. Factoring is a cash flow funding solution. It releases an agreed percentage of unpaid invoices as soon as the invoice is raised (usually within 24 hours).

There are multiple other forms of Short Term funding, such as a Merchant Cash Advance, or Invoice Discounting. A Factoring facility will generally operate on a disclosed basis, meaning that the company’s debtors are aware of the lenders involvement. Factoring allows for an immediate injection of cash into the business, especially if you have a large amount of funds tied up in invoices at the time of application. This will increase your cashflow, allowing you to run business more smoothly. Almost all sectors and industries can access Invoice Finance facilities as long as your company trades with business to business sales via invoices.

Invoice Finance Products

Invoice Factoring

Factoring is a funding solution tailored to your business, aimed at those who rely on payments from customers.

Confidential Invoice Discounting

Confidential Invoice Discounting is ideal for larger businesses, where the role of the lender is not disclosed to your clients.

CHOCCs

A Client Handles Own Credit Control facility enables you to continue to collect payments directly from your client.

Spot Factoring

Spot Factoring allows you to pick and choose the invoices you require funding rather than a whole turnover arrangement.

Eligibility

Turnover

Unless you are a new start-up company, the minimum turnover most lenders will deal with is £100,000.

Trading History

Similarly to Turnover, start-up companies can get funding. Once you have filed accounts for the year, we can then apply you as a fully-fledged trading business.

UK Registered Businesses

Due to us dealing with UK Based Lenders, we can only find funding solutions for UK Registered Businesses.

Let's get started
Apply now

FAQs

How much will an Invoice Finance facility cost?
keyboard_arrow_down

There are two fees involved with an Invoice Finance facility. The service fee is calculated against the companies turnover, and covers the cost of the lenders service for the facility, including dealing with the collection of the funds, the administration, and the lender maintaining the company’s sales ledger. The other fee involved is the discount fee (interest) this is charged against the money the company borrows from the lender. This is charged daily, and applied monthly. The typical service fee is around 3% annually, and a standard discount fee is around 4.5% monthly.

Am I eligible for an Invoice Finance facility ?
keyboard_arrow_down

Eligibility varies largely from lender to lender, with some much more flexible, some much less. The basic criteria for applying for an Invoice Finance facility is as follows:
£100k minimum turnover
UK Registered Business
If you don’t meet this criteria it isn’t the end of the road, other funding options are available, and this can be discussed with one of our consultants.

How long does it take to arrange an Invoice Finance facility ?
keyboard_arrow_down

Invoice Finance facilities can be completed in as short as a few days, although the process can take longer. Our aim is always to make the process as quick, and simple as possible.

How much money can I get through an Invoice Finance facility ?
keyboard_arrow_down

Invoice Finance facilities have varying amounts of accessible funds. Rather than a monetary maximum amount of monies available, Invoice Finance is calculated by what percentage of your invoice can be advanced. Most lenders can advance up to 90% of your invoice value. The percentage of your invoice being advanced also depends on which industry you operate in, with some being more/less preferable.

Why JD Capital Finance?
keyboard_arrow_down

We are not your average broker. We strive to find you the perfect funding facility for your business, in the easiest way possible. We designate a member of our team of specialist finance consultants to you, walking you through the entire process until the funds are in your hands.

CBILS Loan

“Would thoroughly recommend using JD Capital, we had great service all the way through the process from Perry. We will definitely be back should we need any more finance for the business Useful Share”

Reviews from our clients

Lorem Ipsum

“Lorem ipsum dolor sit amet,consectetur adipiscing elit, sed doeiusmod tempor incididunt utlabore et dolore magna.”

Social media

Disclaimer: JD Capital Finance helps UK firms access business finance, working directly with businesses and their trusted advisors. We are a credit broker and do not provide loans ourselves. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. JD Capital Finance can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. JD Capital Finance may receive a commission or finder’s fee for effecting such introductions.

© JD Capital Finance Limited Registered Number 10128297