Invoice finance

Release the cash sitting in your sales ledger.

Confidential or disclosed facilities against trade debtors. Funding moves with the ledger.

What it is

What invoice finance means at Bedrock.

Invoice finance funds against the value of unpaid trade invoices. The funder advances a percentage of each eligible invoice (typically 80-90%) on submission, and releases the balance when the customer pays. The borrower gets working capital that scales with sales, not with a fixed bank overdraft limit.

Two main shapes. Invoice discounting is confidential: the borrower's customers don't know a financier is involved, and the borrower retains collection responsibility. Factoring is disclosed: the financier handles collections directly. Pricing favours discounting where the borrower's credit-control capability supports it.

Invoice finance is one of the most competitively priced products in the UK market. Headline rates of 1-3% over base across the cycle are typical for clean ledgers. We compare across 12+ specialist invoice finance funders without panel restriction.

Invoice ledger estimate

What is the gross theoretical ceiling?

Enter monthly gross revenue and average debtor days to estimate the ledger before funder eligibility and reserve deductions.

Monthly gross revenue

The result must fall from £50,000 to £25,000,000.

Average debtor days

Before eligibility and reserve deductions

Gross theoretical ceiling£500,000

Monthly gross revenue£250,000

Average debtor days60 days

Illustrative example

A gross theoretical ceiling of £500,000 describes the maximum receivables book 60-day payment terms and this monthly revenue could support. After concentration limits, aged debt and reserve deductions, a funder's actual availability figure is lower.

Gross ceiling by debtor days

30 d

45 d

60 d

75 d

90 d

30 d: £250,000
45 d: £375,000
60 d: £500,000 (current)
75 d: £625,000
90 d: £750,000

90-day terms produce is 3.0x the 30-day gross ceiling at these inputs.

Assumptions

All invoices assumed eligible before concentration, aging, dispute, export, contra, retention, reserve and verification deductions.

Limitations

Gross theoretical ceiling only. Customer concentration, aged and disputed invoices, export, contra and retention balances typically reduce availability. Not a funder offer or facility limit.

Updated 22 August 2026

Bring your aged debtors list and top five customers by balance to Bedrock. Those two factors matter most to the net availability figure.

Indicative only - not a quote or offer. Subject to underwriting. Gross theoretical ceiling assumes all invoices are eligible before concentration, aging, dispute, export, contra, retention, reserve and verification deductions.

Get indicative terms from our team

How this estimate works

Updated 22 August 2026

The estimate uses monthly gross revenue and typical customer payment timing to indicate the broad size of a receivables ledger before funder deductions. It is informed by common invoice-finance underwriting practice, not a particular provider's eligibility rules.

Assumptions

Sales are invoiced broadly evenly and the payment timing entered is representative.
The starting point treats invoices as eligible; funders may exclude or reserve against parts of the ledger.
Customer concentration, disputes, aged debt and contractual terms can materially change availability.

Illustrative examples

Growing services business

Monthly gross revenue of £180,000 with customers paying around 60 days could indicate a gross ledger in the £300,000–£400,000 region before deductions.

Established wholesaler

Monthly gross revenue of £500,000 with payment timing around 45 days could indicate a gross ledger in the £700,000–£800,000 region before deductions.

Illustrative only — not advice. A lender's assessment and terms may differ.

Your actual ledger

Discuss what your invoices could release

The estimator above uses monthly gross revenue and debtor days to estimate the ledger before deductions. Tell us about your business so we can discuss invoice eligibility, advance rates, concentration limits and reserves with you.

Discuss your invoice funding How does invoice finance work?

Who it's for

Common deal profiles.

Three patterns we see most often. The first conversation finds out which one you're closest to.

Manufacturers and wholesalers
Long payment terms with credit-strong buyers. Invoice finance lifts the working-capital strain without leaning on the bank overdraft.
Recruitment and staffing agencies
Weekly payroll versus monthly invoicing creates a structural cash gap. Invoice finance is the canonical fit.
B2B service businesses
Professional services, marketing agencies, and consultancies with month-end billing cycles and reliable corporate debtors.

How we structure it

Facility shape and timeline.

Facility sizes: £50k to £25m+ availability
Advance rate: Typically 80-90% of eligible debtor value
Pricing: Service fee + discount margin; transparent total cost quoted upfront
Timeline: Indicative terms once we've sounded out the right funders. Drawdown 2-4 weeks.

Sectors