Invoice Discounting
Turn unpaid invoices into instant cash flow with invoice discounting.
Businesses use invoice discounting to improve cash flow by unlocking money tied up in unpaid invoices.
Instead of waiting weeks or months for customers to pay, they can access most of the invoice value immediately, helping to cover expenses, fund growth, or manage seasonal demand.
It’s a flexible solution that allows companies to maintain control of their sales ledger while keeping customer relationships intact.
How We Help with Invoice Discounting
At Kerr & Watson, we help businesses release cash tied up in unpaid customer invoices. We compare specialist finance providers, funding limits and facility costs to identify suitable invoice discounting arrangements based on your cash flow requirements.
✓ Improving business cash flow – Releasing funds from unpaid invoices without waiting for customers to settle their accounts.
✓ Funding business growth – Accessing working capital to support expansion, increased orders or additional operating costs.
✓ Confidential invoice discounting – Exploring facilities that allow businesses to retain control of customer collections and relationships.
✓ Refinancing existing facilities – Comparing alternative invoice finance providers to improve funding limits, costs or flexibility.
How Do Invoice Discounting Providers Assess Applications?
Invoice discounting providers assess your company’s trading history, financial position and the quality of its outstanding customer invoices.
Providers consider factors such as annual turnover, customer creditworthiness, payment terms and the reliability of your credit control processes. Some prefer established businesses with larger sales ledgers, while others may consider smaller companies or more flexible funding arrangements.
We compare provider requirements and funding criteria to identify suitable options for your business.
How Much Funding Can You Release from Unpaid Invoices?
Invoice discounting providers commonly advance up to 80% to 90% of eligible unpaid invoice values, although the amount available varies.
The percentage offered depends on your customers’ creditworthiness, invoice payment history and the provider’s criteria. When customers pay their invoices, the remaining balance is released after the advance and applicable charges have been accounted for.
We review your sales ledger and compare provider advance rates to establish how much working capital may be available.
Will Your Customers Know You Use Invoice Discounting?
Invoice discounting can be arranged confidentially, meaning your customers may not need to know that your business uses an invoice finance facility.
Unlike invoice factoring, where the finance provider generally manages customer collections, invoice discounting usually allows you to retain control of credit management and payment collection. However, confidentiality depends on the provider and facility terms.
We compare confidential and disclosed arrangements to help you maintain suitable funding and manage your customer relationships.
Your Invoice Discounting Finance in 3 Easy Steps…
Conversation
Send us an enquiry to arrange a call to speak to an adviser about your cash flow requirements, business circumstances and outstanding customer invoices.
Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.
Compare
We’ll review your sales ledger and funding needs to understand which invoice finance options may be suitable.
We compare specialist invoice finance providers, considering advance rates, eligibility requirements, fees and facility terms to identify a suitable funding arrangement for your business.
Arrange
Once you’ve chosen a suitable provider, we’ll coordinate your application, financial documents and lender requirements through to approval and facility setup, helping you access funding against eligible invoices.
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