Your Local Brokers Baseline Finance
Your Local Brokers Baseline Finance
Invoice Finance is a flexible working capital solution that allows businesses to unlock the cash tied up in outstanding invoices. Instead of waiting 30, 60, or even 90 days for customers to pay, businesses can selectively fund individual invoices to improve cash flow immediately.
Unlike Debtor Finance, which typically funds the entire debtor ledger, Invoice Finance allows you to choose specific invoices to finance offering greater control and flexibility.
Invoice Finance is ideal for businesses that issue high-value invoices and need quick access to cash without taking on long-term debt.
You issue an invoice to your customer for goods or services delivered.
Instead of waiting for payment, you select specific invoices to finance through the financier.
The financier advances a percentage (typically 70–80%) of the invoice value within 24–48 hours.
Once your customer pays the invoice, the financier releases the remaining balance (minus their fee).
Two main structures exist:
Disclosed Invoice Finance: Customers are notified that a financier is involved.
Confidential Invoice Finance: Customers are unaware — you maintain direct control of collections.
Advance Rate
Typically 70–80% of invoice value
Repayment Source
Customer payment of the financed invoice
Security
Selected invoices (single invoice security)
Facility Type
Transactional/selective — finance only invoices you choose
Use of Funds
Working capital, supplier payments, payroll, expansion
Review Period
Facilities typically reviewed annually
✅ Unlocks cash from large outstanding invoices
❌ Slightly higher per-transaction costs compared to full debtor finance
✅ Provides flexibility — only finance the invoices you choose
❌ Still relies on your customers paying on time
✅ Reduces cash flow pressure without adding term debt
❌ May involve minimum monthly fees depending on financier
✅ Fast access to funds — usually within 24–48 hours
❌ Facility limits may apply if customer concentration is high
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❌ Lender requirements may necessitate higher internal staff requirements
Facility
Best For
Flexibility
Security
Typical Speed
Debtor Finance
Unlocking cash from outstanding invoices
Medium-High
High
Linked to business accounts
Fast (24–48 hours)
Choosing individual invoices to fund rather than the entire debtor ledger.
The percentage of an invoice advanced upfront by the financier.
Whether customers are made aware that their invoices are being financed.
Whether the business remains liable if a customer fails to pay the invoice.
The final balance paid to the business once the customer settles the invoice.
Risk where a high portion of your receivables come from only a few large customers.
At Baseline Finance, we understand that every business’s cash flow cycle is unique.
We’ll help you tailor a flexible solution — whether that’s Invoice Finance, Debtor Finance, or another funding option.
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
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