Confidential cash from your unpaid invoices.
Release up to 90% of your sales invoices as soon as you raise them. Stay fully in control of your own ledger, while your customers see no change at all.
Not sure yet? Check eligibility in 2–3 minutes, or talk to a director.
Available to draw · week by week
£100,000 invoiced a month · 60-day terms
- Sales ledger now
- £200,000
- Available to draw
- £180,000
- Your customers see
- No change
With £100,000 invoiced a month on 60-day terms, your sales ledger is about £200,000 and up to £180,000 is available to draw at 90%.
Illustrative only: the ledger is a month’s invoicing times your terms. Availability depends on eligible invoices, concentration, reporting and the agreed terms.
Check eligibilityThe simple version
What is invoice discounting?
Invoice discounting lets you draw down cash against invoices you’ve issued but haven’t yet been paid for. The funder advances most of each invoice up front; you collect from your customers as normal; and the balance, less a small fee, is released when they pay. Because you keep running your own credit control, the arrangement is usually completely confidential.
In short: it turns your sales ledger into a flexible cash reserve. The money you’re owed becomes money you can use today, without changing how you deal with your customers.
In plain English · Invoice discountingA confidential invoice finance facility. You receive up to 90% of an invoice’s value within 24–48 hours, keep responsibility for collecting payment, and draw funds up and down as your ledger moves. Your customers are typically unaware a funder is involved.
Cashbook Finance facts. Cashbook Finance invoice discounting is designed for established UK B2B businesses that want confidential funding while retaining control of collections. After approval and setup, up to 90% of an eligible invoice may typically be available within 24–48 hours. Assessment considers debtor quality, ledger concentration, reporting, disputes, dilution and trading evidence.
The benefits
What invoice discounting does for your business.
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Cash in 24–48 hours
Stop waiting weeks or months to be paid – turn each invoice into working capital almost immediately.
Frees you to grow
Pay staff, suppliers and VAT on time, and take on new work without the cash-flow handbrake.
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Completely confidential
Your customers carry on paying you as normal; the facility stays invisible to them.
You keep control
You own the customer relationship and your own credit control – nothing about how you collect has to change.
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Funding that scales
The more you invoice, the more you can draw. The facility grows with your business automatically.
No property charge
The funding is secured against your invoices, not your home or premises – and it isn’t a conventional loan.
How it works
From invoice to cash, confidentially.
- 1
Raise your invoice
Day 0 · your usual terms
You invoice your customer exactly as you do today.
- 2
Draw the cash
Typical drawdown: 24–48h after setup
Up to 90% is advanced to you, usually within 24–48 hours.
- 3
You collect
Day 30–90 · your credit control
Your customer pays you on their normal terms – confidentially.
- 4
Balance released
On collection · less the fee
You receive the remaining balance, less a small fee.
What your customer sees
No change at all.The funder, on every invoice.
Because you keep collecting, the whole arrangement stays confidential – your customers simply pay you as they always have.
With factoring, the funder collects on your behalf and the arrangement is usually disclosed. Some businesses want exactly that: see invoice factoring.
Facility conditions
Confidentiality depends on operational control
The business normally retains collections responsibility, but it must maintain disciplined ledger reconciliation and reporting.
Internal credit control The company needs an effective collections process and escalation discipline.
Reporting Regular reconciliations, aged debt and audit access are core facility conditions.
Disclosure triggers Confidentiality may not be absolute if performance weakens or contractual triggers are reached.
Who it’s for
Who invoice discounting suits best.
Established businesses
You have a proven track record and reliable customers – discounting rewards that stability with funding at its most flexible.
Your own credit control
You already have a finance function that issues invoices and chases payment, so you don’t need the funder to collect for you.
Confidentiality matters
You’d rather your customers and competitors never knew you used finance – discounting keeps it entirely behind the scenes.
Growing B2B turnover
You sell to other businesses on credit terms and want funding that grows automatically as your invoicing grows.
Long payment terms
Your customers pay on 30, 60 or 90 days, and that gap is tying up the cash you need to operate.
Steady invoice flow
You raise invoices regularly across a spread of customers, rather than the occasional one-off.
Sounds like you? Check eligibility
Before you apply
What we need to review invoice discounting.
“Before recommending invoice discounting, I want to understand ledger control, debtor spread and whether the business can manage credit control responsibly. If that cannot be explained clearly, the structure is probably not ready.”
Prepare properly
- Invoice discounting checklistPreparation PDF · Use this before applying so the first conversation is specific rather than exploratory.
- What to prepareApplication prep · A cross-product guide to references, evidence and secure document submission.
- Pricing and decisionsDecision context · Review the commercial factors that affect pricing, availability and structure.
What speeds review
- Aged debtor report and sales ledger
- Sample invoices and customer terms
- Evidence of established credit-control process
- Bad-debt, dispute and credit-note history
- Monthly invoice volumes and debtor concentration
What slows or weakens the case
- Weak internal collections process
- Material disputes or credit-note patterns
- Debtor concentration without strong payment evidence
Upload them in the client portal, encrypted in transit and at rest
Verify before you share documents. Three independent registers hold the record for this firm. Cashbook Finance Limited is registered with the Financial Conduct Authority under Firm Reference Number 782472. Registered office: Cumberland House, 24–28 Baxter Avenue, Southend-on-Sea, Essex SS2 6HZ. Companies House 10723098: Active · incorporated 2017. ICO register ZB545200. The register links at the top of this page open each official record. All published figures are collected on the company facts page.
Worked example
A month of confidential discounting.
You invoice £100,000 in a month on 60-day terms and keep collecting from your customers.
Your customers see no change; the cost follows how long they take to pay.
| Invoice value, on 60-day terms | £100,000 |
|---|---|
| Advanced within 24–48 hours (90%) | £90,000 |
| Discount charge, about 2% per 30 days, for 60 days | £4,000 |
| Paid to you when your customer pays | £6,000 |
| Total cost of funding this invoice | £4,000 (4% of the invoice) |
| If your customer pays 15 days late | +£1,000 in charges |
Illustrative: up to 90% advanced and a discount charge of about 2% of the invoice per 30 days. Rates, advances and any service fee vary by business, sector and customers, and are confirmed in writing before you commit.
Quick answers
Invoice discounting FAQs.
Will my customers know I’m using it?
No. Invoice discounting is confidential – you continue to collect payment yourself, so your customers see no change and needn’t know a funder is involved.
How much can I release?
Typically up to 90% of each invoice’s value within 24–48 hours, with the balance paid to you (less a small fee) once your customer settles.
How is it different from factoring?
With discounting you keep control of your own credit control and collections, and the facility is confidential. With factoring, the funder collects on your behalf and the arrangement is usually disclosed.
Do I have to fund every invoice?
A discounting facility usually works across your whole ledger, which keeps the cost efficient. If you’d prefer to fund only selected invoices, ask us about selective finance instead.
What do I need to qualify?
Discounting suits established businesses with their own credit control and a track record of reliable customers. We’ll look at how you invoice, who you sell to, and your trading history.
What reporting will I need to provide?
Usually a regular sales ledger update, an aged debtor report and periodic reconciliations. The frequency is agreed at the start and matched to how often you invoice.
Guides on invoice discounting
Start an application
Put your sales ledger to work, confidentially.
Not sure yet? Check eligibility in 2–3 minutes, or talk to a director.
Introducing a client? Work with us as an intermediary.