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£100k to £5m

Flexible invoice discounting

Enhance your working capital

Leverage the value of your debtor book

Funding growth is always a tricky balancing act, but even more so if you have significant cash tied up in your debtor book.

Strengthen your working capital and enhance cash flow by raising £100k – £5m with flexible invoice discounting.

Leverage your entire sales ledger or a pool of debtors, to raise higher sums of cash than traditional invoice finance, enabling you to reinvest in growth initiatives and/or business expansion.

A great fit if you require:


Select a pool of debtors or submit your whole ledger, drawing down as much as you need from the total sum


Manage your facility via an online portal that removes the need for lengthy month-end reconciliation processes


No concentration or export limits, with funds available in multiple currencies, for multiple jurisdictions, all in one facility*

Oxbridge Associates

Ben Funnell

Managing Director

Oxbridge Associates

“Growth Lending has provided us with a tailored solution that meets the differing needs of our businesses, in the UK and overseas. The facilities will give us the necessary working capital to grow our business further, enhancing our buying and selling capacity and supporting our expansion plans.”


Paul Ashton

Chief Executive


“Growth Lending worked collaboratively to understand our proposition and drive to achieve growth. Our business has continued to innovate and this funding enables us to push this growth further, bring new team members on board and invest in more technology to support the facilities management market that we operate in.”


Justin Bailes



“It has been a pleasure working with the Growth Lending team, which has gone above and beyond to ensure we have a bespoke funding facility that meets our specific needs. This funding will enable us to continue assisting leading international brands as they transition their packaging portfolios away from single-use plastic, by providing high-quality alternative packaging.”

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How does invoice discounting work?

Your business needs £500k to fund a growth initiative that would help you stand out in your market, but you are currently out of pocket by £750k while you await payment from multiple clients.

Using the outstanding invoices as proof of incoming future capital, Growth Lending advances you 90% of the total value of your sales ledger, enabling you to pursue the growth opportunity while also raising additional working capital.

Flexible invoice discounting leverages the cash tied up in outstanding invoices, enabling you to pursue next-level growth.

Interested? Submit an enquiry form below, or reach out to a member of our expert lending team.

Enquire now

Ready to get growth going? Let’s see how we can support you.


Access more cash, at an earlier stage than what is offered by non-specialist lenders


Facilities that are never off-the-shelf – we tailor our facilities to your individual needs


Flexible use of funds, including international growth strategies

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How much would you like to borrow?

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Flexible invoice discounting enables you to leverage your entire sales ledger, or a chosen pool of debtors, by using unpaid accounts receivables as collateral for the facility. By freeing up the working capital tied up in unpaid invoices, you can then invest in growth, expansion, recruitment and acquisitions, all while retaining responsibility for your sales ledger and invoice processing.

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After you have completed our straightforward online process, we aim to respond with an indicative offer within 24 hours. You then simply select the debtors you want to fund and upload the corresponding invoices to our online portal. These invoices will contribute to your available balance and you will be able to begin drawing down funds.

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Selective invoice finance works more like traditional factoring, where you choose which invoices you want to advance funds against and when.

With a flexible invoice discounting facility, you can leverage multiple debtors or your whole sales ledger to raise a larger total sum and then draw down as much as you like from this sum as and when you need it.

Where selective invoice financing provides funds on an invoice-by-invoice basis, flexible invoice discounting offers a lending base from which you can draw down funds.

Both types of facility free up working capital and give you the flexibility to manage your own credit, but each will suit different types of business model.

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You must be a company registered in the UK, US, Singapore or the Benelux countries, with B2B debtors on payment terms of up to 120 days.

Your debtors must be registered in an OECD country, with some exceptions (*Chile, Columbia, Costa Rica, Estonia, Latvia, Lithuania, Mexico, Serbia, Slovakia and Turkey).

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With flexible invoice discounting, you retain complete control of your cash flow and are therefore responsible for recovering outstanding payments. An additional benefit of this feature is that the service provided by Growth Lending can be kept confidential, so you do not need to inform your debtors.

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