Invoice Finance

Releasing cash tied up in your sales ledger rather than waiting 30, 60 or 90 days for customers to pay.

Invoice Finance

Releasing cash tied up in your sales ledger

Facilities differ sharply on advance rate, concentration limits and whether they are confidential. Headline pricing rarely reflects the real cost, so we compare on total cost and covenant terms.

We Structure

Why Invoice Finance Requires the Right Lender

What we arrange

  • Invoice discounting and factoring
  • Confidential facilities where disclosure is not wanted
  • Selective and whole-ledger arrangements
  • Facilities growing in line with turnover

Who this is for

  • Businesses with long customer payment terms
  • Companies growing faster than cash collection allows
  • Firms with concentrated or slow-paying customers

How London FS helps

Facilities differ sharply on advance rate, concentration limits and whether they are confidential. Headline pricing rarely reflects the real cost, so we compare on total cost and covenant terms.

Important information

The Financial Conduct Authority (FCA) does not regulate some forms of Buy To Let, Commercial & Development Finance, Bridging Finance, Overseas/Foreign National Mortgages and Will Writing.

Dhavi Limited (trading as London FS) is authorised and regulated by the Financial Conduct Authority — firm number 628993. Registered in England, company number 7301914. Registered office: 7 Bell Yard, London, WC2A 2JR.

Clock

Compared on Total Cost

Headline rates rarely reflect the real cost. We model it fully.

Key person

Confidential Facilities

Options where customers are never informed of the arrangement.

Clipboard list

Factoring or Discounting

Whether credit control stays with you or moves to the funder.

Why Choose Us

Why Invoice Finance with London FS?

Invoice Finance requires more than access to lenders. It requires accurate interpretation of your circumstances and placement with a lender that genuinely understands them.

Facilities differ sharply on advance rate, concentration limits and whether they are confidential. Headline pricing rarely reflects the real cost, so we compare on total cost and covenant terms.

Timeline

Concentration Limits Negotiated

Critical where a few customers make up most of your ledger.

Clock

Selective and Whole-Ledger

Fund everything, or only the invoices you choose.

Target

Covenants Scrutinised

We read the terms that bite later, not just the advance rate.

Our Clients

Who Benefits from Invoice Finance

Businesses With Long Payment Terms

Fast-Growing Companies

Firms With Concentrated Customers

Testimonials

Client Experiences That Speak for Themselves

Contact Us

Get Paid Without Waiting 90 Days

Releasing cash tied up in your sales ledger rather than waiting 30, 60 or 90 days for customers to pay.

Our Services

Related Asset and Invoice Finance Services

Our Asset and Invoice Finance services are structured around real client circumstances rather than product categories, with independent advice across the whole of market.

News & Blogs

Latest Financial News & Blogs

FAQ

Frequently Asked Questions on Invoice Finance

What is the difference between factoring and discounting?

Factoring includes credit control by the funder; discounting leaves collections with you.

Not under a confidential facility.

Typically 80–90% of each invoice, with the balance on customer payment.

Factoring includes credit control by the funder; discounting leaves collections with you.

Not under a confidential facility, which is widely available for established businesses.

Typically 80-90% of each invoice, with the balance released on customer payment.

Caps on how much of the facility any single customer can represent. Critical if your ledger is concentrated.

Yes, through selective invoice finance, though pricing is usually higher than whole-ledger.

Under recourse facilities you repay the advance. Non-recourse options transfer that risk at a cost.