Cash Flow Finance
Invoice finance solutions to unlock the value of your outstanding invoices.
Cash flow is the lifeblood of every business. Yet many profitable companies struggle with cash flow because their customers take weeks or months to pay their invoices. This creates a dangerous gap between delivering your product or service and receiving payment — a gap that can constrain growth, prevent you from taking on new business, and in the worst cases, threaten the viability of an otherwise successful company.
Invoice finance — whether factoring, invoice discounting, or selective invoice finance — closes this gap by advancing up to 90% of your invoice value within 24 hours of raising the invoice. Aberdeen Corporate Finance works with a broad panel of invoice finance providers to find the most competitive and appropriate solution for your business.
Why Use a Broker for Invoice Finance?
The invoice finance market is highly competitive, with significant variation in pricing structures, service levels, and contract terms between providers. Some charge a single combined fee; others separate the service charge from the discount charge. Some require long-term contracts; others offer rolling monthly agreements. Without expert comparison, it is easy to end up paying more than necessary or locked into an unsuitable arrangement.
Aberdeen Corporate Finance compares the true total cost of each facility — not just headline rates — and negotiates on your behalf to secure the best available terms. We also ensure the facility structure matches your business needs, whether that is a confidential discounting facility, a full-service factoring arrangement, or a flexible selective invoice finance product.
Our Cash Flow Finance Services
Invoice Factoring
A disclosed facility where the factoring company manages your sales ledger and credit control function. When you raise an invoice, up to 90% of its value is advanced within 24 hours. The factor collects payment from your customers and remits the balance, less their fees. Ideal for businesses that want to outsource credit control.
Invoice Discounting
A confidential facility where you retain control of your sales ledger and customer relationships. Funding is advanced against your invoice book, but your customers are unaware of the arrangement. Suited to established businesses with robust credit control procedures who want to maintain direct customer contact.
Selective Invoice Finance
Rather than factoring your entire sales ledger, selective invoice finance allows you to choose which individual invoices to fund. This gives you maximum flexibility — draw funding only when you need it, against the invoices you select, without committing to a whole-ledger facility.
Construction & Contract Finance
Specialist cash flow solutions for the construction sector, including funding against certified applications for payment, stage payments, and retention releases. We work with lenders who understand construction payment cycles and the complexities of the Construction Act.
Export Factoring
Cash flow finance for businesses trading internationally. Export factoring provides funding against overseas invoices, often with credit insurance and collection services in the buyer's country. Reduces the risk and cash flow impact of extended international payment terms.
Bad Debt Protection
Many invoice finance facilities can include non-recourse bad debt protection, insuring you against customer insolvency. If a debtor fails to pay due to insolvency, the factoring company absorbs the loss — giving you certainty that funded invoices are fully protected.
Key Benefits
When You Need Cash Flow Finance
Funding Business Growth
Your sales are growing faster than your cash flow can support? Invoice finance provides a self-scaling facility that grows in line with your turnover, providing the working capital to fulfil orders and take on new business.
Seasonal Cash Flow Management
If your business experiences seasonal peaks and troughs, invoice finance smooths out cash flow by accelerating the collection of receivables during busy periods and providing a buffer during quieter months.
Bridging Payment Gaps
When customers take 60, 90, or even 120 days to pay, invoice finance bridges the gap between delivering your goods or services and receiving payment — ensuring you can meet payroll, suppliers, and overheads on time.
Construction & Contract Work
Construction businesses face unique cash flow challenges with staged payments, retentions, and long payment cycles. Specialist construction factoring provides funding against certified applications for payment.
Replacing an Overdraft
Bank overdrafts are increasingly difficult to obtain and can be withdrawn at short notice. Invoice finance provides a more secure, scalable alternative that is directly linked to your trading activity.
Credit Control Support
If managing your sales ledger and chasing payments is taking time away from running your business, a full factoring service includes professional credit control — improving collection times and freeing your team to focus on growth.
How It Works
Understanding Your Cash Flow
We review your sales ledger, debtor profile, payment terms, and cash flow requirements to determine which type of invoice finance is most appropriate for your business.
Provider Comparison
We obtain detailed proposals from our panel of invoice finance providers, comparing the true total cost — including service charges, discount rates, and any ancillary fees — alongside contract terms and service levels.
Facility Setup
Once you select a provider, we manage the onboarding process including debtor verification, notice of assignment (where applicable), and system integration to ensure a smooth transition.
Ongoing Funding
As you raise invoices, funding is advanced automatically — typically within 24 hours. The facility scales with your sales, providing more funding as your business grows.
Regular Reviews
We conduct periodic reviews of your facility to ensure the terms remain competitive, the service is meeting your needs, and the structure still aligns with your evolving business requirements.
Cash Flow Finance at a Glance
Invoice Value Advanced
Typical Funding Time
Minimum Turnover
Important Notice: Aberdeen Corporate Finance Limited acts as a commercial finance broker and introducer. We are not a lender and do not provide invoice finance facilities directly. All facilities are subject to status, debtor quality, and provider criteria. Advance rates, fees, and contract terms quoted are indicative and may vary. Bad debt protection is subject to insolvency-related non-payment only and may not cover all scenarios. Aberdeen Corporate Finance Limited is not regulated by the FCA.
Need Cash Flow Finance?
Whether you need factoring, invoice discounting, or selective invoice finance, contact us for a no-obligation comparison of the best available facilities.
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