Invoice Finance Summary
Key benefits of invoice factoring at a glance.
Invoice finance encompasses several distinct products, each designed for different business needs and circumstances. This summary provides a clear comparison of the main invoice finance options to help you understand which product is most appropriate for your business.
Product Comparison
Invoice Factoring
How It Works
Disclosed facility — the factor manages your sales ledger and collects from customers on your behalf.
Advance Rate
Up to 90% of invoice value within 24 hours.
Credit Control
Factor handles credit control and collections.
Best Suited For
Businesses that want to outsource credit control and benefit from professional collections.
Invoice Discounting
How It Works
Confidential facility — you retain control of your sales ledger. Customers are unaware of the arrangement.
Advance Rate
Up to 90% of invoice value within 24 hours.
Credit Control
You manage all customer relationships and collections.
Best Suited For
Established businesses with robust credit control who want confidentiality.
Selective Invoice Finance
How It Works
Spot facility — choose individual invoices to fund on a transaction-by-transaction basis.
Advance Rate
Up to 90% of selected invoice values.
Credit Control
You maintain full control. No whole-ledger commitment.
Best Suited For
Businesses that need occasional cash flow support without a full facility.
Non-Recourse Factoring
How It Works
Factoring with bad debt protection — the factor absorbs losses from debtor insolvency.
Advance Rate
Up to 90% of invoice value, with insolvency protection.
Credit Control
Factor manages collections with added credit insurance.
Best Suited For
Businesses trading with customers where insolvency risk is a concern.
Key Benefits Across All Products
Important Notice: All invoice finance facilities are subject to status and provider criteria. Aberdeen Corporate Finance Limited is not regulated by the FCA.
Which Product Is Right for You?
Contact us for expert advice on the best invoice finance solution for your business.
Get Advice