# Export Invoice Finance for UK Exporters Source: https://www.cashbookfinance.co.uk/insights/export-invoice-finance Last updated: 2026-10-26 Author: Bjorn Laku, Director & Chief Marketing Officer (https://www.bjornlaku.com/) Publisher: Cashbook Finance Limited > How UK exporters can fund invoices to overseas customers - eligibility, credit insurance, currency, documents and how it pairs with trade finance. Guide FCA-registered UK lender FRN 782472 ## Export invoice finance: funding invoices to overseas customers UK businesses that sell abroad often wait longer to be paid. Export invoice finance advances cash against invoices to overseas customers, in the same way as domestic invoice finance, but funders look harder at the customer's country, the currency, the shipping documents and whether the debt is insured. Written and reviewed by [Bjorn Laku](https://www.cashbookfinance.co.uk/bjorn-laku), Director & CMO. INV-2048 · Arden Health Group Illustration Cash received · this invoice A £50,000 invoice on 30-day terms - **Invoice value** £50,000 - **Paid to you, day 1–2** £45,000 - **When your customer pays** £4,000 Invoice value · £50,000 Illustrative: a 90% advance and a discount charge of about 2% of the invoice. Rates and advances vary by business, sector and customers. Check eligibility **£30m+** funded · **100+** UK businesses since 2019 · London SE1 - FCA **782472** - ICO **ZB545200** - Companies House **10723098** Worked example ### An export invoice on 60-day terms. A UK engineering firm invoices a German customer £30,000 (agreed in sterling) on 60-day terms. Longer export terms double the charge on the same invoice, so credit insurance and clear delivery evidence matter more. Check eligibility · Talk it through with a director | Invoice value, on 60-day terms | £30,000 | | --- | --- | | Advanced within 24–48 hours (80%) | £24,000 | | Discount charge, about 2% per 30 days, for 60 days | £1,200 | | Paid to you when your customer pays | £4,800 | | Total cost of funding this invoice | £1,200 (4% of the invoice) | | If your customer pays 30 days late | +£600 in charges | Illustrative: up to 80% advanced and a [discount charge](https://www.cashbookfinance.co.uk/insights/invoice-finance-glossary#term-discount-charge) of about 2% of the invoice per 30 days. Rates, advances and any [service fee](https://www.cashbookfinance.co.uk/insights/invoice-finance-glossary#term-service-fee) vary by business, sector and customers, and are confirmed in writing before you commit. **In this guide** - What changes when the customer is overseas - What funders typically look for - How it pairs with trade finance Check eligibility · About 2–3 minutes, no credit search. ### What changes when the customer is overseas - **Longer terms.** Export terms of 60–120 days are common, which deepens the cash gap. - **Harder collection.** Chasing and enforcing payment abroad is slower and costlier. - **Country and currency risk.** Political events, exchange controls and currency movements affect what you receive. - **Proof of delivery.** Bills of lading, airway bills and customs documents become part of the evidence. ### What funders typically look for - Customers in countries the funder is willing to accept, with a trading history with you; - [Credit insurance](https://www.cashbookfinance.co.uk/insights/invoice-finance-glossary#term-credit-insurance) on the overseas debtors, often required or strongly preferred; - Clear shipping and delivery evidence for each invoice; - Invoices in currencies the funder can handle, or a plan to manage currency risk; - No unresolved disputes or quality claims. Check eligibility · About 2–3 minutes, no credit search. ### How it pairs with trade finance Invoice finance helps after you have shipped and invoiced. If the pressure comes earlier - paying a supplier or manufacturer before goods leave - [trade finance](https://www.cashbookfinance.co.uk/trade-finance) funds that stage, and invoice finance can then take over once the sale is invoiced. See [trade finance vs invoice finance](https://www.cashbookfinance.co.uk/insights/trade-finance-vs-invoice-finance) and the [import and export sector page](https://www.cashbookfinance.co.uk/sector-import-export). ### Practical checklist - List overseas customers, their countries, terms and payment history. - Check any existing credit insurance and its limits. - Gather shipping documents for recent invoices. - Note currencies and how you currently convert receipts. - Prepare an aged debtor report split by domestic and export customers. ### Export invoice finance: a practical decision test Export invoices can be funded like domestic ones, but the evidence, insurance and currency questions need answers before a facility is set up. Check eligibility · About 2–3 minutes, no credit search. #### Commercial fit Best for exporters with repeat overseas customers, clear terms and a record of being paid. #### Evidence and eligibility Expect checks on shipping documents, customer countries and credit insurance limits for each overseas customer. #### Operational fit Keep shipping evidence matched to each invoice and plan how foreign-currency receipts are converted. #### Alternatives Trade finance before shipment, export credit support, or credit insurance on its own may fit different stages of the cycle. ### Export invoice finance: model the downside, not just the headline Model receipts with longer actual payment times and a weaker currency, and check whether the facility still covers your costs. #### Where this can go wrong Invoices to countries or customers outside the insurer's or funder's limits may not be funded at all. Check eligibility before relying on export receipts in a cash forecast. Check eligibility · About 2–3 minutes, no credit search. ### Export invoice finance: questions to ask before signing - Which countries and currencies can be funded? - Is credit insurance required, and who arranges it? - What shipping evidence is needed for each invoice? - How are currency movements handled between invoice and payment? ### Export invoice finance: documents and controls to prepare Every invoice finance discussion goes better with the same core pack: a current [aged-debt report](https://www.cashbookfinance.co.uk/insights/invoice-finance-glossary#term-aged-debt-report), representative contracts and invoices with delivery or acceptance evidence, recent management accounts with a short cash forecast, and an honest schedule of [credit notes](https://www.cashbookfinance.co.uk/insights/invoice-finance-glossary#term-credit-note), bad debts and customer concentration. We keep one maintained resource covering the full pack, the questions that surface the all-in cost, and what to monitor once a facility is live - [read the invoice finance preparation checklist](https://www.cashbookfinance.co.uk/insights/invoice-finance-preparation-checklist). This guide is general information, not a recommendation or an offer of finance. #### See what your invoices could release Tell us how your business invoices and a director will give you a straight, no-obligation view on fit - usually within a day or two. Compare #### Recourse vs non-recourse invoice finance Bjorn Laku Compare #### Supply chain finance vs invoice finance Bjorn Laku Funding #### Funding facilities that can complement invoice finance Bjorn Laku ### Prepare the overseas evidence first Use the guide to organise the evidence and operating decision, not simply to compare product labels. #### Countries and currencies List each overseas customer with its country, currency and payment terms. #### Credit insurance Confirm the cover and limits in place for overseas customers. #### Shipping documents Keep bills of lading, airway bills or proof of delivery matched to each invoice. #### Official sources - UK Export Finance · GOV.UK Official guidance and legislation on the rules this page refers to. They explain the rules in general; take advice on your own position. ### More guides on invoice finance - [Late payment and UK SME cash flow](https://www.cashbookfinance.co.uk/insights/late-payment-cash-flow-uk-smes) - [Single invoice factoring](https://www.cashbookfinance.co.uk/insights/single-invoice-factoring) - [What makes a debtor ledger attractive](https://www.cashbookfinance.co.uk/insights/what-makes-a-debtor-ledger-attractive) - [Why invoice finance applications are declined](https://www.cashbookfinance.co.uk/insights/why-invoice-finance-applications-are-declined) - [Working capital benefits](https://www.cashbookfinance.co.uk/insights/working-capital-benefits) - [Invoice finance in London](https://www.cashbookfinance.co.uk/invoice-finance-london) #### Sector guidance - [Wholesale finance](https://www.cashbookfinance.co.uk/sector-wholesale) - [Manufacturing finance](https://www.cashbookfinance.co.uk/sector-manufacturing) - [Food & beverage finance](https://www.cashbookfinance.co.uk/sector-food-beverage) --- Cashbook Finance. Cashbook Finance Limited is registered with the Financial Conduct Authority under Firm Reference Number 782472. Company number 10723098. Registered office: Cumberland House, 24–28 Baxter Avenue, Southend-on-Sea, Essex SS2 6HZ. Registered with the Information Commissioner’s Office under reference ZB545200. All finance is subject to eligibility, satisfactory due diligence, credit approval and agreed terms. Invoice finance, trade finance and bridging finance may not be suitable for every business. The availability, structure, amount, pricing, fees, security requirements and completion timescales of any facility will depend on the applicant’s circumstances, the quality of the supporting evidence provided and our assessment of the proposed transaction. Any figures, examples, rates or timescales shown on this website are for illustrative purposes only and do not constitute an offer, commitment or guarantee of finance. Terms and conditions apply. Bridging finance is secured against property. Your property may be repossessed if you do not maintain repayments on a loan secured against it. Applicants should obtain independent legal, financial and tax advice where appropriate.