What is Invoice Finance...?

Unlock Working Capital from Your Outstanding Invoices...

Commercial Invoice Finance is a flexible funding solution that allows businesses to access capital tied up in unpaid customer invoices. Rather than waiting 30, 60, or even 90 days for clients to settle accounts, invoice finance provides immediate access to a significant percentage of the invoice value—empowering businesses to maintain healthy cash flow, meet operational expenses, and reinvest in growth.

Key Features and Benefits

Improved Cash Flow: Invoice finance accelerates access to working capital by converting outstanding invoices into immediate cash. This allows businesses to cover payroll, purchase inventory, or seize new opportunities without waiting for customer payments.
Flexible Financing: Funding is directly linked to your sales ledger, so the more invoices you generate, the more financing you can access. This scalability makes invoice finance ideal for growing businesses with fluctuating revenue cycles.
Fast and Transparent: Once set up, funds can be released within 24 to 48 hours of invoice submission, with clear fee structures and minimal administrative burden. Businesses maintain control over customer relationships while improving financial predictability.
Confidential or Disclosed Options: Choose between confidential invoice financing, where customers remain unaware of the funding arrangement, or disclosed (factoring), where the finance provider manages collections on your behalf—allowing for greater efficiency.
No Need for Traditional Security: Unlike conventional loans, invoice finance is typically secured against the value of your receivables rather than physical assets or property, making it an accessible option for asset-light businesses.

When to Consider Commercial Invoice Finance

Extended Payment Terms: If your customers operate on long payment cycles, invoice finance bridges the gap between issuing an invoice and receiving payment—helping you maintain cash flow stability.
Rapid Growth: Fast-growing businesses often struggle with cash flow despite rising sales. Invoice finance provides the working capital needed to fund new contracts, hire staff, or purchase materials.
Seasonal Demand: Companies with seasonal peaks can use invoice finance to smooth out cash flow during slower periods and ensure consistent access to capital.
Reducing Borrowing Costs: Businesses looking to reduce reliance on traditional overdrafts or term loans may find invoice finance a more flexible, cost-effective alternative.
Startups and SMEs: Younger businesses that may not yet qualify for conventional loans can leverage invoice finance based on the strength of their receivables, rather than their credit history or collateral base.

Why Choose Us for Your Invoice Finance Solution?

At Norgan Taylor, we specialize in providing Commercial Invoice Finance solutions that are designed to help you unlock the full potential of your receivables. Our approach combines speed, transparency, and flexibility—enabling your business to stay agile, competitive, and cash-flow positive.

Up to 90% advance on the value of your invoices
Confidential or disclosed facilities to suit your business needs
Seamless integration with your existing accounting processes
Expert support from a dedicated team of invoice finance specialists

Whether you're dealing with late-paying clients, expanding into new markets, or simply looking to strengthen your working capital position, we provide funding solutions that scale with your success.

Round up...

Commercial Invoice Finance transforms outstanding receivables into immediate, usable capital—empowering businesses to stay liquid, responsive, and growth-ready. By bridging the gap between invoicing and payment, it helps companies unlock cash flow, reduce financial stress, and gain the freedom to pursue opportunity without delay.

To learn how invoice finance can enhance your business's financial agility, contact us today. Our team is ready to craft a tailored solution that aligns with your cash flow needs and strategic goals.