Unlock Your Outstanding Invoices
Invoice Finance
Stop waiting for customers to pay. Invoice finance releases cash tied up in your sales ledger, providing working capital that grows with your business.
Stop Waiting 90 Days: Invoice Finance Unlocks Immediate Cash
One of the most dangerous threats to a growing B2B company is its own success. You can land a massive new contract, deliver the goods flawlessly, and issue the invoice — only to wait 60 or 90 days to get paid. This late-payment culture effectively forces SMEs to act as free, zero-interest banks for their larger corporate clients. When your working capital is trapped in your debtor ledger, you can’t pay suppliers, hire staff, or take on new orders. Growth stagnates.
Invoice finance is the direct antidote to this cash flow squeeze. By treating your unpaid invoices as a liquid asset, you can unlock up to 90% of their value within 24 hours of billing. It bridges the gap between doing the work and getting paid.
At Aegis Finance, we match you with the right invoice finance provider for your business sector and needs. We relieve the burden and stress of waiting for invoices to be paid — we put money back into your account.
Invoice Factoring
Management
The finance provider (the ‘factor’) takes over your sales ledger and manages credit control, including chasing customers for payment.
Transparency
Your customers will be aware you are using a finance provider, as they pay the provider directly.
Cost
Generally more expensive than discounting due to the added service of debt collection.
Suitability
Often preferred by smaller businesses or start-ups without dedicated finance teams.
Invoice Discounting
Management
You retain full control over your sales ledger and continue to handle your own debt collection and credit control.
Confidential
Your customers are unaware you are using the facility.
Cost
Usually cheaper than factoring because the provider does not provide collection services.
Suitability
Generally suited for larger, more established businesses with strong internal financial processes.
Why Partner With Us
Industry-Specific Knowledge
We match your business with lenders who specialise in your sector, from recruitment to construction.
Confidentiality Expertise
We secure ‘disclosed’ or ‘confidential’ facilities, ensuring your client relationships remain entirely undisturbed.
Rapid Funding Velocity
Convert your unpaid invoices into available cash in as little as 24 hours.
Global Trade Support
Access specialist export finance to bridge the gap on international invoices and foreign exchange.
Bad Debt Protection
Our expertise in Non-Recourse facilities ensures you are paid even if your customer defaults.
Scalable Facility Design
We negotiate funding limits that grow automatically alongside your turnover, without constant renegotiation.
Invoice Finance Terms
Costs depend on your sector, customer quality, and chosen facility type. These are typical parameters available.
Typical Terms
At a Glance- Advance Rate
- Up to 90%
- Funding Speed
- Within 24 hours
- Minimum Turnover
- From £100,000 pa
- Contract Length
- 12-36 months
- Discount Charge
- From 0.5% pm
- Service Fee
- 0.2% - 1.5%
Frequently Asked Questions
Find answers to common questions about our services.
Ready to Discuss Your Finance Needs?
Whether you need bridging finance for a quick purchase, development funding for your next project, or business finance to fuel growth, we're here to help.
No obligation consultation. Whole of market access. Expert guidance.