How does invoice finance work?

Invoice finance is a way of raising funds; giving you an immediate injection of cash, which could release up to 90% of the gross value against your unpaid invoices, by the invoice finance provider agreeing to purchase your book debts.

What is invoice factoring?

The factoring company purchases your book debts and will provide a full credit management service. In this service, they will: Talk directly to your customers and send out follow up letters Collect payments Produce monthly statements Could release up to 90% of the gross value of unpaid invoices The lender will also provide disclosure in the way of an assignment notice placed upon the invoice.

Who are Alliance Commercial Finance Limited and what do they do?

Alliance Commercial Finance Limited are a specialist factoring and invoice finance broker who help to provide bespoke invoice finance and factoring solutions to help businesses fund their cash flow gap.

Why should I choose Alliance Commercial Finance?

We spend the time talking to the directors to establish their requirements and provide them with the best options for their business. This enables a quick and reliable decision, allowing business to progress with as little disruption as possible. We constantly work with our funding partners to make sure we are up to date with current offers and products; which means you get impartial advice and the right product for your requirements. When you work with us, you will benefit from over 20 years' experience in the financial sector. Having worked at director level within the independent, non-bank owned factors, including those owned by merchant banks.

What is the difference between factoring and invoice discounting?

With factoring, you will choose the lender who will collect the payment from your customers, this works best for small to medium sized businesses. Your customers know that you're using factoring but the factoring company will handle the credit control directly and will negotiate terms with customers. Invoice discounting is more straightforward and is used by large and established businesses. Compared to factoring, you will still have access to credit control but your customer will be unaware that you are borrowing against their invoices. With invoice discounting you can avoid a third party (the invoice financier), allowing you to deal directly with your customers.

Confidential Invoice Discounting for Flexible Business Cashflow

Q: What is Confidential Invoice Discounting?

Confidential Invoice Discounting is a form of cashflow finance. Our confidential invoice discounting facility allows you to release funds from unpaid invoices. This process is completely confidential which ensures that your debtors will be unaware that this is taking place and your standard credit control processes can continue as normal. This is the ideal invoice finance solution for businesses who are looking for flexible funding options without sacrificing customer experience.

Confidential invoice discounting is a powerful invoice finance solution that helps businesses improve cashflow by unlocking funds tied up in unpaid invoices — without alerting customers.

This discreet form of business funding allows you to access working capital quickly while retaining full control of your sales ledger and credit control processes.

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What Is Confidential Invoice Discounting?

Confidential invoice discounting enables businesses to release up to 95% of the value of their outstanding invoices shortly after they are issued. Because the facility is confidential, your customers continue to pay you as normal, unaware that invoice finance is in place.

It is an ideal cashflow solution for established businesses seeking flexible funding, improved liquidity, and uninterrupted customer relationships.

How Confidential Invoice Discounting Works

Raise and send invoices to your customers as usual.
Upload invoices to the secure invoice finance platform.
Draw down available funds for immediate working capital.
Receive the remaining balance once your customer pays.

Benefits of Confidential Invoice Discounting

Improve cashflow instantly with funds released from unpaid invoices.
Access up to 95% of invoice value.
Confidential Funding - your customers are never notified.
Maintain full control of your credit control and collections.
Supports growth without taking on traditional loans.

Is Confidential Invoice Discounting Right for Your Business?

Confidential invoice discounting is best suited to businesses with strong internal credit control who want discreet access to invoice finance and greater control over cashflow.

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Strengthen relationships with your key suppliers and unlock liquidity across your supply chain with Supply Chain Finance solutions.

Fill out the form to request a quote on our range of services from invoice finance to confidential invoice discounting, across a range of sectors. A member of the team will be in contact with you shortly.