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Invoice finance (Factoring and Invoice Discounting)

A healthy cashflow can boost your business

Held back by late paying customers? Want to boost your cashflow? If your annual turnover is £50,000 or more, we may be able to help.

This flexible finance solution puts you in control and allows you to fund the growth of your business - the amount you can borrow increases with the amount you invoice.

Invoice Financing allows you to obtain an advance against the invoices you raise and use it to bridge the gap between paying suppliers and customers paying you.

Key features

  • Receive up to 90% of the value of unpaid sales invoices within 24 hours.
  • Facility grows with your invoices.
  • Frees time and money to invest in your business.

Call us on 0800 587 5963

  • Your business can benefit from a cash boost or the peace of mind of more predictable cashflow, enabling you to plan ahead with confidence and increasing your bargaining power with suppliers
  • Receive up to 90% of the value of unpaid invoices within 24 hours
  • Assurance of using business not personal assets to finance business growth
  • Sales ledger management assistance available
  • Access to advice on customer ratings and expert help with overseas customers

Invoice Financing via Lloyds TSB Commercial Finance is a flexible way of freeing working capital for your business.

Because you may need to pay your suppliers before your customers have paid you, unpaid invoices – even those still within your payment terms – can hamper your cashflow.

No other assets are required to secure this funding.

Before you apply

Please view our finance application checklist.

Telephone

By phone

Call Lloyds TSB Commercial Finance on 0800 587 5963.

This site is intended for UK residents unless otherwise stated. Bank of Scotland plc. Registered in Scotland No. SC327000. Authorised and regulated by the Financial Services Authority under number 169628. © Bank of Scotland plc 2010. All rights reserved.

Bank of Scotland plc is covered by the Financial Services Compensation Scheme and the Financial Ombudsman Service. (Please note that due to the schemes' eligibility criteria not all Bank of Scotland business customers will be covered by these schemes.)

The provision of credit or leasing services by us is subject to your meeting our Credit approval. Please ensure that you only apply for credit or leasing services that you can comfortably afford.

Factoring, Invoice Discounting, Supplier Finance, Hire Purchase and Leasing facilities are provided by Lloyds TSB Commercial Finance. Asset Based Lending comprises of a range of products and services offered by Lloyds TSB Commercial Finance. Back Office and Payroll Finance is provided by CashFriday, a trading name of Lloyds TSB Commercial Finance Limited. When using these products and services your agreement will be with a Lloyds Banking Group company whose terms and conditions will apply.

Lloyds TSB Commercial Finance is a trading name of Lloyds TSB Commercial Finance Limited. Lloyds TSB Commercial Finance Ltd, Registered Office: No.1, Brookhill Way, Banbury, Oxfordshire, OX16 3EL. Registered in England and Wales No. 733011.

Lloyds TSB Commercial Finance Scotland is the trading name of Lloyds TSB Commercial Finance Scotland Limited. Lloyds TSB Commercial Finance Scotland Limited, Registered Office: 110 St Vincent Street, Glasgow, G2 5ER. Registered in Scotland No. 93252

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