Receive up to 90% of your invoice value

Whether you’re planning to expand or need to deal with day-to-day cash flow, we’re here to help. Our Invoice Finance solutions can release up to 90% of the value of your invoices typically within 24 hours, giving you the financial flexibility to expand your operation the moment the time is right. So instead of waiting 60 days to receive payment you can grow your business tomorrow.

Factoring  
Invoice Discounting   Asset Based Lending  
Best for: Business who:
- Want to free up cash
- Invoice other business in arrears
- Sell to other businesses
- Are growing or start up
Larger business:
- With sound credit controls
- Who want to expand
- Want an undisclosed arrangement
- Invoice other businesses in arrears
Larger business:
- Looking to free up cash tied up in tangible assets
- Need additional financial headroom and flexibility
Minimum Annual Turnover

£50,000

£250,000

£10 million

Cash advance within 24 hours*

Up to 90%

Up to 90%

N/A

Suitable for non Lloyds Bank customers

yes

yes

yes

Release funds from debtors

yes

yes

yes

Release funds from tangible assets

no 

no

yes 

Confidential- no need to tell customers

no

yes

yes

Working capital grows in line with sales

yes

yes

yes 

Protects against impact of customer insolvency or non-paying customers

yes 

(optional - at additional cost)

  yes 

(optional - at additional cost)

yes

(optional - at additional cost)

Find out more  Find out more  Find out more 

Client Charter

Try our service for six months and, if you’re dissatisfied, we’ll give a refund
of the service fee.*

Find out more (Client Charter)

Solutions

If you’d like to find out about other options that could suit your circumstances, use our finance selector tool.

Find out more (Solutions)

Industry expertise

Whichever industry you operate in, our facilities can be quickly scaled up to meet your exact requirements.

Find out more (Industry expertise)

* Timescales dependent on product and customer eligibility.
* Terms and conditions apply.

© Copyright Lloyds Bank Commercial Finance 2017

Calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help improve our quality of service.

Lloyds Bank Commercial Finance Ltd. Registered office: No.1, Brookhill Way, Banbury OX16 3EL. Registered in England and Wales no.733011.

Lloyds Bank Commercial Finance Scotland Limited, Registered in Scotland no. 93252. Registered office: 110 St Vincent Street, Glasgow, G2 5ER.

Lloyds Bank Commercial Finance Limited is authorised and regulated by the Financial Conduct Authority under registration number 724228 for activities relating to certain types of consumer credit which are regulated under the Consumer Credit Act 1974 and by the Financial Services and Markets Act 2000. We are not deposit takers and are not regulated by the Prudential Regulation Authority.

When using Asset Finance your agreement will be with a Lloyds Banking Group company whose terms and conditions will apply. 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.