Invoice Factoring Brokers, London
Turn unpaid invoices into cash, with collections handled for you — your customers pay the factor directly.
How invoice factoring works
Invoice factoring means selling your unpaid invoices to a factor. They advance you a percentage of the value straight away, take over collecting the debt, and release the balance, less their charges, once your customer pays. Because the factor deals with your customers directly, they know a third party is involved. That is the main difference between factoring and invoice discounting, which stays confidential because you keep your own ledger and chase payment yourself.What factoring is good for
Cash flow The gap between raising an invoice and being paid is often what constrains a business — paying suppliers, covering wages, or taking on the next order before the last one has settled. Factoring closes that gap. Getting collections off your desk The factor chases payment, so you stop spending time on credit control and can put it into winning work instead. For businesses without a dedicated finance function, this is usually the bigger benefit of the two. Funding that grows with turnover The facility is based on your sales ledger, so the amount available rises as you invoice more — unlike a fixed loan or overdraft limit.What it costs
Pricing is usually a discount charge on the amount advanced plus a service fee covering collections. 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. 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 factoring or discounting 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 factoring right for your business?
Factoring suits businesses where chasing payment is the thing eating your time. The factor takes over collections, so you get the credit control function alongside the funding — useful if you have no dedicated finance staff, or if late payment is a recurring problem rather than an occasional one. Because the factor deals with your customers directly, they will know a funder is involved. If you would rather that stayed private, invoice discounting keeps the ledger and the chasing with you. Funders will look at your customers as much as at you — their creditworthiness, how promptly they pay, and how concentrated your ledger is across a few large accounts.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.
Invoice factoring: common questions
What's the difference between invoice factoring and invoice discounting?
With factoring, the factor takes over collection and your customers pay them directly — so they know a funder is involved, but you get the credit control function alongside the funding. With discounting you keep your own sales ledger and chase payment yourself, so the facility stays confidential.Will my customers know I'm using invoice factoring?
Yes. The factor collects payment from your customers directly, so they will be aware a third party is involved. If you would rather that stayed private, invoice discounting is the confidential alternative.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 factoring cost?
Usually a discount charge on the amount advanced plus a service fee covering collections. 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.Does it matter who my customers are?
Yes. Funders look at your customers as much as at you — their creditworthiness, how promptly they pay, and how concentrated your ledger is across a few large accounts.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.