Invoice Finance

SP 30yr AUS

scottish pacific debtor finance servicesWhat is Invoice Finance?

Invoice Finance is, quite simply, a line of credit linked to and secured by your outstanding accounts receivable.

If your business supplies products or services to other businesses on standard trade credit terms, Invoice Finance can help.

To find out how we have helped businesses like yours, check out our Real Deals.


What are the benefits of Invoice Finance?

It is a powerful standalone business finance facility, which helps because:

  • As your business grows the facility grows with it
  • Unlike a traditional bank overdraft, there is generally no need for real estate security
  • It is a standalone facility that can sit alongside other business borrowings (such as overdrafts, term loans, and asset finance)
  • It helps you grow your business and increase purchasing power through improved cash flow
  • There are no capital repayment requirements

How does Invoice Finance work?

You invoice your client directly, and upload the invoice to us at the same time. Within 24 hours we will pay 80% of the value of approved invoices, less our fees. The remaining 20% becomes available to you when the invoice is paid in full.

Imagine you are a furniture importer who wholesales to other businesses.

You buy a chair for £20 and sell it for £50, BUT you only had £20 and have to wait to get paid (possibly 45 to 60 days) before you can buy and sell another chair.

No problem, Scottish Pacific can give you up to £40 against the invoice within 24 hours (with the balance on full payment by the debtor), meaning that you can immediately go and buy two chairs for your £40 and sell them for £100...

Now we can give you £80 against the second invoice and you can buy four chairs and so on. The math speaks for itself!

This is a very simple example, but invoice finance is just that - simple.

Without Scottish Pacific...

  • scotpac one chairBuy a chair for £20
  • Sell the chair for £50
  • Wait for payment to buy another chair...

With Scottish Pacific...

  • scotpac chair plus 2Buy a chair for £20
  • Sell the chair for £50 but rather than wait to get paid, receive £40 the next day, meaning you can...
  • Buy 2 more chairs

Will Invoice Finance suit my business?

If you answer “Yes” to these 3 questions, your business could benefit from a invoice finance facility.

  1. Do you sell products or services to other businesses on standard trade credit terms?
  2. Are your invoices issued for delivered goods or completed services (i.e. not issued on a progress claim/milestone basis)?
  3. Does your business have an annual turnover greater than £150,000 ?

For more information about how we can help your business, fill out a quick enquiry form or call us on the following number:

United Kingdom: 0800 023 9082

Download a Product Leaflet.


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