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      Invoice finance that releases
      working capital faster


      Late payments and long invoice terms can place pressure
      on cash flow, making it harder to cover costs or invest in
      growth.

      Invoice finance helps release working capital tied up in
      unpaid invoices, providing faster access to funds for
      businesses across a wide range of industries.




      Why choose Close Brothers Commercial Finance?


      Product options

      From invoice finance and invoice discounting to invoice factoring, our flexible funding options help free up cash tied in unpaid invoices so you can reinvest and expand.

      Finance experts

      With decades of invoice finance expertise, we help practices thrive. We have been named Best Asset Based Lender by Business Moneyfacts for 12 consecutive years.

      A range of funding

      We provide funding solutions for businesses across a range of sectors, including manufacturing, construction, food and drink, recruitment, engineering, transport, logistics, and many more.

      Tailored finance

      Each agreement is tailored to your circumstances, letting you adjust repayments to match your income. This means you can pay more when business is good, and less when it slows.

      What our clients say

      We were anxious about switching after 15 years, but the Close team guided us seamlessly, answered every question, and proved to be genuinely down‑to‑earth and approachable individuals.
      Long standing relationship has helped our business to grow. Account manager is readily available to support us. Good response from credit control team when any issues arise. Factoring and discount charges represent good value for money.
      Close Brothers Invoice Finance are breath of fresh air; the transfer has been smooth and there is a real willingness to help, which is in part to the strong preparation and relationship built pre commencement. Both client managers have been excellent and very pro-active since commencement.
      We have found Close Brothers extremely helpful throughout 2025. During the year we encountered cash flow issues and bottlenecks which we were able to discuss with Close Brothers and immediately we were supported in our requirements.
      Close Brothers have been with us from day one and they have always made an effort to understand the company and wanted to see us succeed. I have never felt the need to look elsewhere for funding.
      It was my dream to open my own practice and I could not have done it without Close Brothers.
      R Health Dental Ltd



      Warning: The provision of this service does not require licensing, registration or authorisation by the Central Bank of Ireland, and as a result is not covered by Central Bank of Ireland rules designed to protect consumers or by a statutory compensation scheme.


      

      Find out how we can help
      your business



      Benefits of invoice finance

       

       

      Faster access to

      funds


      A proportion of invoice value can typically be accessed shortly after invoices are issued. This provides quicker access to funds compared with waiting for customers to pay.

      Better cash flow visibility


      Regular access to funds from invoiced sales can help create more predictable cash flow. This can support more confident planning around wages, suppliers and other commitments.

      Funding that grows with your sales


      Available funding is usually linked to invoicing levels, rather than fixed limits. As sales increase, the level of finance available can grow alongside the business.







       

      Events and client success stories

      Funding a site purchase without disrupting cash flow

      CASE STUDIES
      02 Jun 2026

      Working capital unlocked to fuel a major production uplift

      CASE STUDIES
      17 Mar 2026

      Supporting the next generation of a specialist manufacturer

      CASE STUDIES
      09 Feb 2026

      Powering Arden Energy's digital innovation for smarter grid technology

      CASE STUDIES
      22 Jan 2026

      Tree surgery and landscaping firm finds stability amid seasonal challenges

      CASE STUDIES
      01 Dec 2025

      Unlocking growth through smart refinancing

      CASE STUDIES
      06 Oct 2025



      Our financial products and how they can add value to your business

      

      What is invoice discounting?


      Invoice discounting offers an alternative to traditional business finance, providing faster access to cash tied up in unpaid invoices. The facility flexes as your business changes and grows, offering greater adaptability than an overdraft or loan. You retain control of customer collections, keeping the arrangement confidential.





      Invoice discounting may be suitable for your business if the following apply:
      • You have a minimum turnover of €850k or £750k 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

      How does it work?


      1. You supply your goods or services and you invoice your clients as usual.
      2. Our market-leading software, IDeal™, integrates with your accounting system and releases funds in real-time with your ledger.
      3. We pay you up to 90% of the value of each invoice the instant you raise them.
      4. You maintain control over managing collections. When your client settles the invoice you get the remaining balance less an agreed fee.

      What is invoice factoring?


      Invoice factoring releases cash tied up in unpaid invoices and includes support with collecting customer payments. Invoice discounting works in a similar way but allows businesses to retain control of collections, keeping the arrangement confidential. Both options improve cash flow, with the main difference being who manages the sales ledger and customer payments.




      Invoice factoring may be suitable for your business if the following apply:
      • Your invoices are B2B
      • Your business has a minimum turnover of £750k p.a
      • You would be interested in financing all of your invoices not just a few

      How does it work?



      1. You supply your goods or services and you invoice your clients as usual.
      2. We pay you up to 90% of the value of each invoice the instant you raise them.
      3. We collect payment on your behalf, giving you more time to focus on the day-to-day running of your business.
      4. When your clients settle their invoices you will get the remaining balance less an agreed fee.

      • Invoice discounting

        What is invoice discounting?


        Invoice discounting offers an alternative to traditional business finance, providing faster access to cash tied up in unpaid invoices. The facility flexes as your business changes and grows, offering greater adaptability than an overdraft or loan. You retain control of customer collections, keeping the arrangement confidential.





        Invoice discounting may be suitable for your business if the following apply:
        • You have a minimum turnover of €850k or £750k 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

        How does it work?


        1. You supply your goods or services and you invoice your clients as usual.
        2. Our market-leading software, IDeal™, integrates with your accounting system and releases funds in real-time with your ledger.
        3. We pay you up to 90% of the value of each invoice the instant you raise them.
        4. You maintain control over managing collections. When your client settles the invoice you get the remaining balance less an agreed fee.

      • Invoice factoring

        What is invoice factoring?


        Invoice factoring releases cash tied up in unpaid invoices and includes support with collecting customer payments. Invoice discounting works in a similar way but allows businesses to retain control of collections, keeping the arrangement confidential. Both options improve cash flow, with the main difference being who manages the sales ledger and customer payments.




        Invoice factoring may be suitable for your business if the following apply:
        • Your invoices are B2B
        • Your business has a minimum turnover of £750k p.a
        • You would be interested in financing all of your invoices not just a few

        How does it work?



        1. You supply your goods or services and you invoice your clients as usual.
        2. We pay you up to 90% of the value of each invoice the instant you raise them.
        3. We collect payment on your behalf, giving you more time to focus on the day-to-day running of your business.
        4. When your clients settle their invoices you will get the remaining balance less an agreed fee.

      Speak to our industry
      experts for more information



      Our step-by-step process


      Fill out our short form

      To find out how we can support you and your business, please complete our form.
      It only takes a few minutes to complete.

      Speak with our finance experts

      Our dedicated finance specialists will contact you to discuss your needs and provide more information about our products and services.

      Receive a tailor-made finance plan

      We will develop a flexible repayment plan matching your payment schedule with your seasonal income.



      Case study

      Invoice discounting supports wholesale firm through management buyout


      Background

      A long‑established, family‑run wholesale business with over 50 years’ experience supplying poultry and fish to restaurants and catering firms, with a strong reputation and loyal customer base.


      The challenge

      As part of a generation‑to‑generation succession plan, the business was split into a retail butcher’s shop and a standalone wholesale operation. The wholesale arm aimed to expand its product range and invest for growth, requiring funding to support a management buyout and provide working capital during the transition.


      The solution

      Close Brothers Commercial Finance provided a €750,000 invoice discounting facility, giving the business fast access to working capital to complete the buyout and support expansion. With funding that grows in line with turnover, the business is now recruiting, developing new product lines and pursuing its long‑term growth strategy with confidence.




       

      Still got questions?

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      Invoice Finance Solutions