Invoice Finance

Invoice finance is a form of working capital that allows businesses to unlock cash tied up in unpaid invoices. Instead of waiting 30–90 days for customers to pay, you can access up to 85–90% of the invoice value within 24–48 hours. Once your customer pays the invoice, the remaining balance (minus fees) is released. Invoice finance helps improve cash flow, support growth, and reduce reliance on traditional lending.

The amount of inventory finance available depends on the type, value, and liquidity of your stock. Typically, lenders advance a percentage of the inventory value, with higher advance rates available for fast-moving or high-demand goods.

Invoice factoring and invoice discounting are two types of invoice finance: Invoice factoring involves the lender managing your sales ledger and collecting payments from your customers whereas Invoice discounting allows you to retain control of collections while using invoices as collateral for funding. At Teybridge Capital Europe, we offer flexible solutions, including selective invoice finance, tailored to your business needs.

Purchase order finance and invoice finance are both forms of working capital, but they are used at different stages of the sales cycle. Purchase order finance is used before goods are delivered, funding supplier costs so you can fulfil an order whereas Invoice finance is used after goods or services are delivered, unlocking cash tied up in unpaid invoices. Many businesses use both solutions together to fund the full working capital cycle and at Teybridge Capital Europe, we provide both options.

Invoice finance is not a traditional loan. It is a form of asset-based finance where funding is secured against your outstanding invoices. This means it does not create long-term debt in the same way as a loan and instead grows in line with your sales, making it a flexible and scalable funding solution.

Once your facility is approved, you can typically access funds within 24–48 hours of raising an invoice. The initial setup process usually takes 1–3 weeks, depending on the complexity of your business and debtor book. With Teybridge Capital Europe, our streamlined onboarding and BRIDGE platform help accelerate access to funding so you can maintain momentum.

We finance invoices issued to creditworthy businesses (B2B) for delivered goods or completed services. Typically, qualifying invoices are issued to established companies and are supported by clear payment terms.

Our fee structure is transparent and typically includes a small percentage of the invoice value. At Teybridge Capital Europe, we provide a clear, upfront breakdown of all fees so you can make informed decisions with no hidden surprises.

We offer a disclosed facility so your debtor will be aware that you are using our facility. You still remain in control of the relationship on a day-to-day basis and the process is handled professionally to ensure continuity and trust.

You can typically access up to 90% of the invoice value immediately. The remaining balance (minus fees) is released once your customer pays the invoice. This allows you to unlock cash tied up in receivables and reinvest it into growth, operations, or new opportunities.