Invoice finance

Invoice finance releases capital tied up in unpaid customer invoices to fund business strategies and improve cash flow.

Invoice discounting

What is invoice finance?

Invoice finance is the umbrella term for a type of funding that provides fast access to cash tied up in your outstanding customer invoices. It's an alternative solution to traditional types of business finance and is much more flexible than an overdraft or loan. With our invoice finance product, invoice discounting, you maintain responsibility for managing collections, so the facility is entirely confidential.

How does invoice discounting work?

All you have to do is raise the invoice and we’ll give you up to 90% of the cash owed to you straight away, enabling you to keep your business moving without waiting to be paid.

When your customer settles the invoice, the remaining percentage is returned to you, less an agreed fee.

How does invoice discounting work?
How does invoice discounting work?


Is invoice discounting suitable for my business?


  • You have a minimum turnover of €700k or £500k p.a.

  • You provide goods and/or services to other businesses.

  • You would be interested in financing all of your invoices not just a few.


We work with businesses from a wide range of sectors to help them meet their goals, whether it's improving cash flow, mitigating late payments or managing seasonal demand. If some of your turnover is export, we can also consider providing finance against these sales, especially if combined with our bad debt protection solution.






Find out how invoice discounting helped Bromford Iron & Steel improve their cash flow ↑



Instant access to funds, 24/7

IDealTM  enables your business to access funds from your invoices from anywhere in the world at any time - instantly. By automatically reconciling your invoice payments, it also saves you time and money.

Seamlessly integrating with 264 accounting software packages, IDealTM is our award-winning online platform available with your invoice discounting facility.


Find out more about our technology 

The benefits of invoice discounting are clear:


Access funds the instant you raise an invoice with our award-winning online management tool, IDealTM


Maintain control of your invoice collections


Reduce laborious month-end reconciliations


Entirely confidential



Invoice discounting
These optional add-ons can run alongside your invoice discounting facility        
Invoice discounting

Bad debt protection

Eliminate risk from customer insolvency with bad debt protection. It enables you to operate safe in the knowledge that you will not be impacted by bad debts if your customers are unable to pay you.

Whilst some other providers will only agree up to 90% cover, we offer up to 100% protection on accounts pre-approved by our Credit Management Team.

Find out more about bad debt protection

Invoice discounting

Liquidity Plus

If you need additional short term finance to help in scenarios such as periods of rapid growth, or peaks in trading, our Liquidity Plus can help you to release up to 100% of the value of your invoices, enabling you to access additional funding when you need it most.

Liquidity Plus can be bolted on to your facility at times when you need an immediate cash injection.

Find out more about Liquidity Plus

Invoice discounting


Is your business looking to release working capital to expand, restructure or refinance? 

Asset based lending blends invoice discounting with funds released against other business assets, such as stock, property, plant and machinery, providing additional capital than invoice discounting alone. 

It is primarily aimed at large companies that have a turnover in excess of €14m/£10m with existing assets including invoices, inventory or property. 

It can enable you to raise between €2.8m/£2m and €49m/£35m. 

Find out more about our asset based lending


Asset Based Lending




Why choose Close Brothers

Close Brothers Invoice Finance is part of Close Brothers Group plc, a leading merchant banking group with traditional values and an ethical approach to lending.

Offering the flexibility of an independent invoice finance provider, combined with our financial strength as a well-capitalised FTSE 250 company, we offer the best of both worlds.

Our customers tell us that our personalised service and quick decision-making sets us apart from other providers and we are praised for our ability to look at the individual merits of every business, rather than taking a “one size fits all” approach.


Call our team today to find out more about how invoice discounting could benefit your business: 01 871 1060