Invoice finance

Invoice discounting & factoring

Unlock the funds in your unpaid sales invoices.

Unlock the funds in your unpaid sales invoices.

A growing business can get caught in a cash flow gap. 

Invoices going unpaid for 30 or 60 days can impact on the speed you can grow.

Invoice finance releases the cash in unpaid invoices allowing you to cover wages, stock purchases or other costs in your business.

Invoice Discounting  is often undisclosed, so your customer has no idea you’re funding against their invoice, you maintain in house credit control and use an online ledger to post invoices, draw down funds to your bank account or repay them when an invoice is cleared.

For most businesses 80% – 90% of the invoice can be drawn down.

For a smaller business, without a dedicated credit control department a factoring facility transfers the debt to the lender, leaving it for them to chase collection.

As with discounting an online portal from the lender will allow you to upload invoices, monitor your account and arrange drawdown of funds into your account.

For businesses funding a large order or contract, a single or small group of invoices can be funded. 

The essential test for a factorable business is a “clean sale”.

So – when you produce your invoice is that the end of your involvement with that particular sale? 

If the invoice is for an ongoing support package or maintenance, then that does not constitute a clean sale and can’t be funded.

If you’re not sure, one of our invoice finance team will discuss your business and the best way to fund your growth. 

Acorn.finance recently funded cases

What makes Acorn.finance unique?

Having more than 300 lenders on our lending panel means our key task is to keep things simple for you!

We call it F.U.N.D.E.D. 

It’s a simple 6 step process, which is unique to Acorn.finance

FUNDED means that your Acorn.finance broker will take the time to understand your funding needs today AND your future plans before we make recommendations;

It saves you time and money because by having that detailed understanding we go directly to the best sources of funding.

What types of funding can Acorn.finance arrange?

For property investors and property developers. Our panel of bridging lenders covers short term finance for refurbishment, conversion or development. 

You can also refinance your bridging loan or purchase directly onto a buy to let mortgage or commercial investment mortgage.

Our finance experts have extensive experience in the commercial funding market and using our FUNDED model.

Funding built for you

Flats in Edinburgh, ideal first time investment for a buy to let mortgage

Does Acorn.finance work with all businesses?

Your business needs funds, from looking after day to day cash flow to property purchases.

Through Acorn.finance you can access a market leading panel of almost 350 lending sources.

Our finance experts have extensive experience in the commercial funding market and using our FUNDED model.

Perfect for your business

commercial investment mortgage for property purchase

What about my home mortgage?

Useful finance links and resources