Invoice finance | Factoring | Invoice discounting | Single invoice discounting - Acorn.

Invoice finance, factoring & trade finance

The problems with cash-flow

Customers use the full 90 day terms

Customers use your full credit terms leaving you short paying staff at the end of the month?

Growing business

When business is growing, cash-flow can get left behind. Still waiting for payment from sales two months ago?

No time to chase

In a growing business are you chasing sales but not having the time to chase payments?

We have built up a great relationship with the team at Acorn, and they have made all our business purchases very straightforward.

Dennis & Maggie Cottam 3 businesses purchased with the help of

The mistakes business owners make…

Not tracking due invoices

Do you know who is due to pay you, when, and which payments are late?  Do clients only pay if you chase them?

Bad debt

If your business has a bad debt problem are you giving too much credit to customers who don’t deserve it?

Growing too fast

When businesses grow quickly it’s easy to make a lot of sales, invoice them but while waiting for payment there’s no money to buy fresh stock or pay wages.


Importing, especially from China can result in paying for goods up to three months before you receive them!

Accepting suppliers terms

If your business can pay suppliers earlier could you negotiate discounts with them?

Overdraft reliance

Your business overdraft is there to help with the ups and downs of daily cash-flow. A growing business will start to push the overdraft limit and lose the confidence of the bank.

Too much stock

The cheap sale is too tempting to stock up on, problem is when it’s still sitting there and has to be paid for.

Working with is better

If your business suffers from any of the problems above then invoice finance (factoring, invoice discounting, single invoice discounting or international trade finance) could be a lifesaver.

Invoice finance is a flexible loan using your unpaid receivables as the collateral (security) for the loan.

Once the lender is satisfied with your sales process they will advance anything up to 90% of the value of each invoice you submit.

As your business sales grow, so does your available facility.  This allows you to purchase more stock or raw materials, pay your staff or negotiate better terms from your suppliers. 
will take the time to understand your business, growth aspirations and plans and partner you with a cash-flow funder who will give you the funding you need, the right service and support, at the best possible price.

I got the best deal and the best service

Jillie Stross – past and future customer

Funding options – invoice finance



When you raise an invoice it is sent to the invoice factoring company who “buy” the invoice from you for a percentage of it’s value (normally between 80% and 90%).


The invoice factoring company will then follow up with your customer to ensure the invoice is paid on time.


When the invoice is paid the invoice factoring company repay you the remaining funds less the interest due on the amount lent.


Factoring is perfect for small businesses who don’t have a full credit control department.


Some suppliers prefer you not to factor, in which case full confidentiality can be arranged.

Confidential invoice discounting


When you raise an invoice it is sent to the invoice discounter who will advance funds to you without taking ownership of the invoice – the advance is still 80% to 90% of the invoice value.


Your in-house credit control department continues to chase payments as they did before the facility was put in place.


Your business collects the payments from clients direct.  The lender will then invoice for funds used and any other charges.


Growing businesses who have a fully functioning accounts and credit control facility established in house.


Invoice discounting is generally fully confidential (fully titled confidential invoice discounting)

Single invoice discounting


If a single sale or customer creates a “lump” in your cash-flow. For some businesses that means turning away a lucrative sale as they can’t afford to service it.

Short term requirement

Single invoice discounting can be requirement rather than sales driven – VAT or PAYE bills, key negotiations with creditors or debt repayments.

Larger contracts

Taking larger contracts would be great but they have the power to dictate longer terms.  Many businesses accept up to 120 day terms to get the deal only to go bankrupt before they can collect.


Businesses of all sizes needing flexibility not a regular factoring or invoice discounting facility.


Single invoice discounting is generally fully confidential

Single invoice discounting


Goods bought paid for locally, by the funder against shipping documents or via a letter of credit.

Goods shipped

Goods can be shipped to your warehouse or factory or supplied directly to your customers.

The funding is still in place


Once you invoice regular invoice discounting continues to fund cash-flow until full payment is received.


All UK based businesses trading in the UK and overseas.

Worldwide coverage

With a few exceptions, funding available with most countries. Especially the UK’s main trading partners.

Very quick and easy process which has now enabled me to grow my business. Wouldn’t use anyone else!

Other business finance options

Cash-flow funding

We also arrange property finance

We have used for over 20 years and can’t recommend them enough, very knowledgable, efficient, friendly and would definitely use them again

Les Kynes – past and future customer

Opportunities to work with work with a broad variety of introducers from a broad variety of sectors including;

  • Business transfer agents
  • Estate agents
  • Accountants
  • Solicitors
  • Mortgage Brokers
  • Financial Advisors
  • Insolvency Practitioners
  • Business Consultants
  • Coaches

As one of the UK’s leading commercial brokers, is growing our regional representation.

We’re looking for entrepreneurial business to business experts to join our rapidly expanding team in order to meet our mission of Every business & Every Investor having access to the best possible funding sources.

Working with a broad selection of bridging lenders in the regulated space and Together Residential Mortgage, can package the cases your network stops you processing.

Superb service from the first phone call to the final transaction. Acorn were fantastic and we would never of got funding without them, we are now in our third year of trading and business is great.

Lisa Whitney – 5* Customer review

Contact – call us free

344 – 354 Gray’s Inn Road



Redwood House

Brotherswood Court

Almondsbury Business Park

Bristol, BS32 4QW,

Peter House

Oxford Street


M1 5AN

No 2 Wellington Place



83 Princes St.



Or complete our contact form and we’ll contact you.

Small business loan

Low minimum turnover

Flexible repayment terms

No minimum time trading

Security not always needed (only a Personal Guarantee)

Flexible facility

Extend or replace your overdraft

Use, repay and re-use the facility

Working capital, equipment, wages or growth

Merchant cash advance

Borrow against future card sales

Flexible repayment options

Pay a percentage of card sales

Less for a quiet month, more if you’re busy

Traditional lenders

As a whole of market broker we have access to the major banks and fintech lenders.


We can also access all the crowdfunding platforms offering;


Equity investments

Rewards and gifts