Skip to content
Sullivan Ventures

Business Finance

Turn your sales ledger into working capital.

Release cash from unpaid invoices as they are raised, rather than waiting sixty or ninety days for customers to pay.

Facility
Up to 90% of invoice value
Term
From £50,000 turnover
Speed
Day one advance in 24 hours
Security
Confidential options
What it is

Invoice finance releases working capital against unpaid invoices, allowing a business to access a significant proportion of their value before the customer pays. Rather than waiting 30, 60 or 90 days, cash tied up in the sales ledger can be put back to work in the business.

The structure can take several forms. With factoring, the funder typically manages collections directly. Invoice discounting allows the business to retain control of its customer relationships and collections, and can often be structured confidentially. Selective and single-invoice facilities can provide funding against individual debtors or invoices without financing the entire ledger.

Invoice finance is particularly effective when a profitable, growing business is generating sales faster than customer payments are arriving. Pricing typically combines a service fee with a financing charge on the funds actually drawn. We look at the total cost and structure of competing facilities so they can be compared on a like-for-like basis, rather than relying on a headline rate alone.

Who it suits
  • You invoice other businesses on 30, 60 or 90-day payment terms.
  • Growth is absorbing working capital faster than customer payments are arriving.
  • You want a confidential facility that allows you to retain control of customer relationships and collections.
  • You want to release capital against a specific invoice, debtor or your wider sales ledger.

Enquire

Talk to us about invoice finance

Indicative terms in as little as 24 hours. Confidential, and no cost to you.

Confidential. We respond within one business day.

Call 07710 048050
How it works

From first call to funds drawn.

  1. 01

    Conversation

    We take your turnover, your debtor book and how your customers pay.

  2. 02

    Terms

    Indicative advance rate, service fee and discount margin, stated separately.

  3. 03

    Facility setup

    The funder verifies the ledger and the facility is put in place.

  4. 04

    Day one advance

    You draw against invoices as you raise them, typically within 24 hours.

Common questions

The questions we're asked most about invoice finance. If yours isn't here, ask us directly.

Not under a confidential discounting facility. Under factoring the funder manages collections, so they will.

No. Selective and single invoice facilities let you fund specific debtors or one large invoice.

Two elements: a service fee on turnover and a discount margin on funds drawn. We will normalise competing quotes so you can compare them on the same basis.

Related finance
All finance