Invoice Finance

If your business is already large enough to afford the staff and information systems to efficiently manage and collect your outstanding invoices you may want to consider invoice discounting rather than factoring service. It is identical to factoring except that the sales ledger management – the collection responsibility – remains with you. The service is undisclosed to the customer.

There are two costs:

An administration charge, either a flat fee or a percentage of turnover and

An interest charge for the cash advances.

Rule of thumb: if your business has an annual turnover of more than £million and an own accounting system, you may want to look at invoice discounting over factoring – however every business is different and you may still be more interested in factoring.

Almost all invoice factors will offer an invoice discounting service but some of the smaller factors may have limits to what they will underwrite.


Gable Asset Finance is business finance brokerage specialising in asset and equipment finance. We offer confidential and non-judgemental advice on business finance options. We work with businesses of all sizes and commercial sectors finance assets, machinery and equipment. We have found asset, machinery, vehicle and equipment facilities for hundreds of businesses and remain in contact with all our clients.


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