Invoice Finance
Invoice Finance is an umbrella term for a variety of products including Invoice Factoring, Invoice Discounting, Selective Invoice Finance or Spot Factoring. It allows your business to convert all unpaid invoices to working capital as unpaid invoices act as collateral.
It is a quick and effective way to borrow business finance through what your customers owe you. You would not have to wait for months or weeks to get paid by your customers, as the lender will release a percentage of the invoice value to you immediately. Every lender’s appetite is different however a good rule of thumb is that lenders will release around 85% of the current invoice value as working capital.
Whether you’re looking to take on more projects or ease cash flow problems, the team at origin Finance are on hand to discuss your options.
96%
APPROVAL RATE
2 Hours
APPROVAL TIME
£150m+
RAISED TO DATE
5 STAR
TRUSTPILOT & GOOGLE
Case Studies
£487,600
Warehouse Fit out including HVAC, Shutters, Mezzanine Floor & Pallet Racking
£2,667,500
Fleet of 11 brand new Car Transporters for two year established business
£1,687,950
Forklift Trucks, Pickers & Warehouse Management Software for Blue chip company
£241,000
Pallet Racking & Barrier System for an established Logistics company
Frequently Asked Questions
Invoice finance, also known as accounts receivable finance, is a funding solution that allows businesses to access capital by leveraging their unpaid invoices. With invoice finance from Origin Finance, you can improve cash flow, accelerate revenue generation, and unlock working capital tied up in outstanding invoices. This flexible finance option can help your business maintain steady operations and pursue growth opportunities without waiting for customer payments.
Origin Finance offers invoice finance solutions that are designed to be simple, efficient, and tailored to your business needs. Once you submit your outstanding invoices to us, we can advance a percentage of the invoice value (typically up to 90%) within 24 hours. When your customers pay the invoices, the remaining balance, minus a small fee, is released to you. This seamless process allows you to access immediate funds and manage your cash flow effectively.
Origin Finance understands that businesses of all sizes can benefit from invoice finance, which is why we do not impose strict minimum or maximum invoice requirements. Whether you have a few large invoices or multiple smaller invoices, our invoice finance solutions can be customised to accommodate your specific invoicing volume and funding needs. Our goal is to support businesses of varying sizes and industries with their cash flow challenges.
The fees associated with invoice finance services from Origin Finance typically include a discount fee based on the value of the invoices advanced and a service fee for managing the funding process. Our transparent fee structure is designed to be competitive and cost-effective, allowing you to access working capital from your invoices without incurring excessive costs. Our team will provide a clear breakdown of fees and charges upfront, so you know exactly what to expect.
Origin Finance offers invoice finance solutions to businesses across a wide range of industries, including manufacturing, distribution, professional services, and more. Our flexible finance options are suitable for businesses that issue invoices to customers on credit terms and are seeking a reliable way to bridge cash flow gaps. Whether you are a B2B or B2C business, our invoice finance services can help you manage your receivables effectively and accelerate your business growth.
Origin Finance understands the importance of timely access to funds for businesses facing cash flow challenges. With our streamlined invoice finance process, you can typically access funds within 24 hours of submitting your eligible invoices. This quick turnaround time allows you to address immediate financial needs, seize growth opportunities, and maintain business operations without delay.
Origin Finance takes a holistic approach to assessing eligibility for invoice finance and understands that businesses may face credit challenges or late payment issues. Unlike traditional lenders that heavily rely on credit scores, our invoice finance solutions focus on the creditworthiness of your customers rather than your business's credit history. As long as your invoices are from creditworthy customers, you may still qualify for invoice finance with Origin Finance, regardless of past credit issues.
Origin Finance offers flexibility in invoice finance, allowing you to select which invoices to finance based on your cash flow needs. Whether you want to finance specific invoices, a portion of your outstanding invoices, or all of them, our customisable solutions cater to your preferences. This level of control empowers you to strategically manage your working capital and optimise your cash flow to support your business objectives.
Origin Finance values transparency and flexibility in its finance solutions, which is why we do not require long-term commitments or impose lock-in periods for our invoice finance services. You have the freedom to use invoice finance on a recurring basis or as needed, without being tied to extended contracts. This allows you to adapt your finance strategy to changing business circumstances and use invoice finance as a flexible tool to support your financial goals.
To explore the benefits of invoice finance and start leveraging your unpaid invoices for working capital, contact Origin Finance today to discuss your finance needs. Our experienced team will guide you through the application process, assess your eligibility, and customise an invoice finance solution that aligns with your business requirements. By partnering with Origin Finance, you can access efficient and reliable invoice finance services to drive your business forward.