Invoice finance

Release the cash sitting in your sales ledger.

Confidential or disclosed facilities against trade debtors. Funding moves with the ledger.

What it is

What invoice finance means at Bedrock.

Invoice finance funds against the value of unpaid trade invoices. The funder advances a percentage of each eligible invoice (typically 80-90%) on submission, and releases the balance when the customer pays. The borrower gets working capital that scales with sales, not with a fixed bank overdraft limit.

Two main shapes. Invoice discounting is confidential: the borrower's customers don't know a financier is involved, and the borrower retains collection responsibility. Factoring is disclosed: the financier handles collections directly. Pricing favours discounting where the borrower's credit-control capability supports it.

Invoice finance is one of the most competitively priced products in the UK market. Headline rates of 1-3% over base across the cycle are typical for clean ledgers. We compare across 12+ specialist invoice finance funders without panel restriction.

Who it's for

Common deal profiles.

Three patterns we see most often. The first conversation finds out which one you're closest to.

Manufacturers and wholesalers
Long payment terms with credit-strong buyers. Invoice finance lifts the working-capital strain without leaning on the bank overdraft.
Recruitment and staffing agencies
Weekly payroll versus monthly invoicing creates a structural cash gap. Invoice finance is the canonical fit.
B2B service businesses
Professional services, marketing agencies, and consultancies with month-end billing cycles and reliable corporate debtors.

How we structure it

Facility shape and timeline.

Facility sizes: £50k to £25m+ availability
Advance rate: Typically 80-90% of eligible debtor value
Pricing: Service fee + discount margin; transparent total cost quoted upfront
Timeline: Indicative terms once we've sounded out the right funders. Drawdown 2-4 weeks.

Sectors