Tell us what you need
A few short questions about the funding and your business. About two minutes, with no credit search.
Invoice finance Invoice finance.
Invoice finance.
Turn unpaid invoices into cash.
Release the cash tied up in invoices to your business customers, instead of waiting 30, 60 or 90 days to be paid.
Whole of marketNo credit search to start
See my invoice finance matches ↗ At a glance
Invoice finance on our panel
- Facility sizes on the panel
- £25,000 to £20m From the lenders on our panel, leaving out the smallest and largest tenth of products.
- Contract length
- Commonly up to 12 months Selective products fund invoices one at a time.
- Customers
- Business and public sector Invoices to consumers are not usually funded.
Indicative only. Your terms depend on your business and each lender's criteria.
What it is
Invoice finance, explained.
Invoice finance lets a lender advance most of the value of your unpaid invoices soon after you raise them. When your customer pays, the lender releases the balance to you, less its fees.
There are two main types. With factoring, the lender runs your sales ledger and collects payment from your customers. With invoice discounting, you keep collecting yourself and your customers are not usually told. Some lenders also fund single invoices, so you choose which ones to finance.
Who it suits
- Businesses that invoice other businesses on credit terms
- Growing firms whose cash is tied up in the sales ledger
- Recruitment, manufacturing, wholesale, construction and professional services
- Owners who want funding that grows with their sales
How it works
From question to options.
We arrange invoice finance by sourcing lenders from across the whole of the market. You stay in control of every decision.
See your options
We match your answers against lenders on our panel and show indicative terms for your business.
A broker takes it forward
A broker goes through your options, gathers what the lender needs, usually an aged debtor list and recent accounts, and takes your application to the lender you choose.
Good to know
Invoice finance, answered.
What is the difference between factoring and invoice discounting?
With factoring, the lender manages your sales ledger and collects payment from your customers. With invoice discounting, you keep control of collections and the arrangement is usually confidential.
How much of each invoice can I get?
Lenders advance a large share of each approved invoice, with the exact percentage depending on the lender, your customers and your sector. The balance, less fees, comes to you when your customer pays.
Will my customers know?
With factoring, yes, because the lender collects payment. With confidential invoice discounting, you collect as normal and your customers are not usually told.
Can I finance just one invoice?
Yes. Some lenders on our panel offer selective or single invoice finance, so you choose which invoices to fund rather than your whole sales ledger.
How long is the contract?
It varies by lender. Many invoice finance contracts on our panel run for up to 12 months, and selective products let you fund invoices one at a time.
Is Kyma the lender?
No. Kyma Business Finance is a credit broker, not a lender. We source options from lenders across the whole of the market and take your application to the lender you choose.
Tell us what you need.
See your terms in 2 minutes.
Indicative invoice finance terms from lenders across the whole of the market.
See my invoice finance matches ↗No credit search to startWhole of market
