Cashflow finance

Cashflow finance

Stay in control with cashflow finance

Call us on 0800 015 83531

Key features and benefits

Cashflow finance suits lots of businesses looking for more than just an overdraft including manufacturers, wholesalers, transport firms, employment agencies and business services providers.

Up to 85% of your invoice value

Get up to 85% of the value of your approved invoices – usually more than traditional overdrafts offer.

Easy online access

Online access to your sales ledger status and electronic payment requests.

Factoring or invoice discounting – which is right for you?

Factoring is the best option for business with a turnover of £100,000 or above, while invoice discounting is usually better for businesses with a turnover of £1 million or above.

Your business could be suitable for factoring or invoice discounting if

  • It's a new-start or mature business
  • You have a spread of debtors
  • You offer normal credit terms with no stage payments

Options

Factoring

Invoice discounting

Business turnover

£100,000 or above

£1,000,000 or above

Who handles the sales ledger and credit management?

We do, meaning less administration for you

You do, so your customers don't know about our involvement

Extra support

Bad-debt protection available

Bad-debt protection available

Ready to apply or want to find out more?

Call us

Call us on 0800 515 4622

More ways to borrow

Business credit cards

Business credit cards

Manage cashflow with a business credit card

Get the cashflow support your business needs, whether you’re just starting out, growing or established.


APR 26.4% representative (variable).

Business overdrafts

Business overdrafts

Flexible options for short-term finance

Apply for a business overdraft to help you manage changes to your cashflow.

Loans

Business loans

Boost your business with a flexible loan

Explore our secured and unsecured loans3,4 – if you bank with us, log in to see if you have a provisional loan limit5 – it won’t affect your credit score. 

SmartBusiness Insights

SmartBusiness Insights gives you a clearer picture of business performance. See money coming in, where you’re spending and identify key trends.

Business Insights

Articles and insight to help your company grow

Expert information and advice for you from our business specialists.