Confidential Invoice Discounting Brokers, London

Release cash tied up in unpaid invoices, confidentially — your customers deal with you throughout, not a finance company.

How invoice discounting works

Invoice discounting lets you borrow against invoices you have already raised but not yet been paid for. A funder advances a percentage of the invoice value straight away — typically up to 90% — and releases the balance, less their charges, once your customer settles.

The facility is confidential. You keep your own sales ledger and you chase payment yourself, so your customers deal with you exactly as they did before and have no reason to know a funder is involved. That is the main difference between discounting and invoice factoring, where the factor takes over collection and your customers pay them directly.

Funders normally look at invoices under 90 days old, since older debt carries more risk of not being paid at all. Costs are usually a discount charge on the amount advanced plus a service fee for running the facility, so it suits businesses with margins that can absorb the charge. A facility also generally isn’t available if your company’s assets are already pledged as security against another loan.

Bridging Finance 4U is a broker, not a lender. We place invoice finance with funders on our panel, confirm which of the two products fits how you actually run your ledger, and come back with indicative terms. Call 020 3328 0745 or email enquiry@ukbf4u.co.uk.

Why come to us

Invoice finance is priced on your customers as much as on you — their size, their payment record and the sector you both trade in. Two funders looking at the same ledger can come back very differently. Rather than approaching funders one at a time, tell us once. We work with around 20 core lenders and have access to 50 more, and we will tell you honestly whether discounting or factoring suits how you run your ledger — including when neither is the right answer. Facilities are subject to status and underwriting, and terms depend on your ledger, your customers and the individual funder’s pricing.

Meet Paul

Paul Barber, Director. Close to two decades arranging property and commercial finance, and the person you’ll deal with directly.

Is invoice discounting right for your business?

Discounting suits businesses that already run their own credit control well — you keep the ledger, you chase payment, and the facility stays invisible to your customers. Funders will want to see that your invoicing is clean, your customers are creditworthy and your debtor days are predictable. Factoring is the better fit if collections are the thing eating your time. The factor takes over chasing payment, which means your customers know they're involved, but you get the credit control function with it. Read more on invoice factoring. Either way, it works well where the gap between raising an invoice and being paid is the constraint on growth — paying suppliers, covering wages, or taking on the next order before the last one has settled.

What it costs

Pricing is usually a discount charge on the amount advanced, plus a service fee for running the facility. Both depend on your turnover, your sector, how many customers you invoice and their payment record — which is why comparable businesses get quoted quite differently. We'll come back with indicative terms from funders on our panel so you can see the actual numbers for your ledger. Get in touch with a rough monthly invoice figure and typical payment terms.

Where we work

We arrange invoice finance for businesses across the UK. Our office is in Enfield, north London, and much of our work comes from London and the Home Counties — but the facility is based on your sales ledger, not your postcode, so location isn't a constraint.

    
 
 
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   Pete Joseph 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a very complex requirement. Paul and Lisa understood my requirement and were able to deliver the required outcome. In a time where customer satisfaction / experience is not high on corporate values,  I found them to be both professional and highly knowledgeable in the complex products in the market. They continually keep me updated on progress and always knew what was required to get things completed. I have definitely found a company I will always use and recommend for anyone needing their vast range of financial products.
  
 
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   Lynieve Samuels 
 
 
 
 Trustindex verifies that the original source of the review is Google. Everything ran smooth from the beginning to end. No task was impossible for them to sort out and they also got you the right result. Excellent company to work with.
  
 
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   Paul Brade 
 
 
 
 Trustindex verifies that the original source of the review is Google. Outstanding service throughout. The team went above and beyond to help me secure bridging finance when I needed it most. They were always available to answer questions, kept me updated at every stage, and delivered exactly what they promised. The process was much smoother than I expected thanks to their expertise and support. I would happily use them again and highly recommend them to anyone considering bridging finance.
  
 
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   Sean S 
 
 
 
 Trustindex verifies that the original source of the review is Google. Excellent service informative and prompt and great after sales care
  
 
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   Husaam Mahmood 
 
 
 
 Trustindex verifies that the original source of the review is Google. I have used other financing companies in the past but never had better service and rates than ive had with bridging finance 4u, paul helped us from start to finish and made everything seemless, highly recommend using them for all bridging and finance needs.
  
 
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   P D 
 
 
 
 Trustindex verifies that the original source of the review is Google. They have been an absolute pleasure to deal with. They have worked tirelessly to help us with our very complicated situation and helped with resolving all the concerning issues. Cannot thank them enough for all their help. Keep up the fantastic work.
  
 
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   Gabos London 
 
 
 
 Trustindex verifies that the original source of the review is Google. Great experience, Paul was of great assistance in terms of helping us to find the right bridging solution. He event went above and beyond with many other hurdles that we faced during the conveyancing process. Assisting in securing building insurance, insights on what to expect from the bridgers, providing countless information and advice on how to tackle the project amongst many other things. He provided great communication throughout the whole process. Lisa was also of great help during this process too. Despite any challenges we faced in the process we overcame each hurdle swiftly. Will most certainly use them again in the very near future once i have serviced this loan. Thanks Emmanuel Owusu
  
 
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   Anisah U (Ani) 
 
 
 
 Trustindex verifies that the original source of the review is Google. Thank you to Nes for her continuous hard work and determination, highly recommend! If you’re looking for an advisor, look no further!
  
 
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   Anna Angeli 
 
 
 
 Trustindex verifies that the original source of the review is Google. One of the best brokers / Lenders in the uk. Paul handled a complex bridging loan for us with incredible speed and precision as we had a month to refinance.  What could have been a stressful and drawn-out process was made smooth and seamless thanks to their deep expertise and unwavering support and exceeded expectations by completing in 3 weeks. From the very first call, Paul was responsive, clear, and absolutely on the ball. We had direct links on WhatsApp which made communication instant. Despite the processes and procedures involved, they secured the funding in record time — much faster than we ever expected — and kept us informed every step of the way daily and hourly in final days. Their dedication, attention to detail, and proactive communication gave us complete confidence. They didn’t just meet expectations — they exceeded them on every level. We didn’t expect this level of service and I am pleased we chose this firm. If you’re looking for a broker who delivers under pressure, understands urgency, and truly cares about getting the best outcome for you, look no further. This was a five-star experience from start to finish!
  
 
  
  
 
 
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Invoice discounting: common questions

What's the difference between invoice discounting and invoice factoring?

With discounting you keep your own sales ledger and chase payment yourself, so the facility stays confidential and your customers deal with you exactly as before. With factoring, the factor takes over collection and your customers pay them directly — which means they know a funder is involved, but you get the credit control function with it.

Will my customers know I'm using invoice discounting?

No. Discounting is a confidential facility. You continue to invoice and chase payment yourself, so there is no reason for your customers to know a funder is involved.

How much of an invoice can I get advanced?

Typically up to 90% of the invoice value straight away, with the balance released, less charges, once your customer pays. Funders normally look at invoices under 90 days old.

What does invoice discounting cost?

Usually a discount charge on the amount advanced, plus a service fee for running the facility. Both depend on your turnover, your sector, how many customers you invoice and their payment record, which is why comparable businesses get quoted quite differently.

Can I use invoice discounting if my assets are already secured against another loan?

Generally not. A facility usually isn't available if your company's assets are already pledged as security elsewhere.

Talk to us about invoice finance

Tell us roughly what you invoice each month and how long your customers take to pay. We'll come back with which product fits — factoring or discounting — and indicative terms from funders on our panel. We're a broker, not a lender, so there's no cost for the conversation.