How much can I borrow against my unpaid invoices?

As a rule of thumb, invoice finance advances around 80% to 90% of the value of an invoice, usually within a day of you raising it. When your customer pays, you receive the remaining balance, less the funder’s fee.

The key point is that the limit is set by your sales ledger, not by an arbitrary cap. The more you invoice, the more funding is available, because the facility rises with the value of your outstanding invoices. That is why it suits growing businesses: it does not need renegotiating every time you win more work.

The exact advance rate depends on a few things:

• Who your customers are. Reliable, creditworthy customers support a higher advance rate.
• Your sector. Some sectors are straightforward; others, such as construction with retentions and staged applications for payment, are more complex and need a lender who understands them.
• The facility type. Whole-ledger, confidential, or funding single invoices selectively will each work slightly differently.

The facilities we arrange range from tens of thousands of pounds up to multi-million pound lines. In practice, that means the size of your ledger, rather than the product itself, is what sets your ceiling. If you want a realistic figure for your business, that is a quick conversation once we understand your customers and terms.