WHAT IS INVOICE FINANCE?

Invoice finance allows businesses to release funds tied up in invoices.

Our invoice finance based lending solutions are designed to help raise finance against the most significant assets, such as the debtor book, inventory, plant and machinery, and freehold property. This finance type gives businesses the opportunity to improve cash flow by simply ‘selling’ single or multiple raised and unpaid invoices. You can receive up to 95% of the value of your invoices.

CUSTOMER TESTIMONIALS

We went to few banks, but they just don’t get it. With white Oak Uk it’s simple – they understand our business and getting finance was fuss-free.

Owner,Alchemy Coffe

CUSTOMER TESTIMONIALS

We went to few banks, but they just don’t get it. With white Oak Uk it’s simple – they understand our business and getting finance was fuss-free.

Owner,Alchemy Coffe

CUSTOMER TESTIMONIALS

We went to few banks, but they just don’t get it. With white Oak Uk it’s simple – they understand our business and getting finance was fuss-free.

Owner,Alchemy Coffe

CUSTOMER TESTIMONIALS

We went to few banks, but they just don’t get it. With white Oak Uk it’s simple – they understand our business and getting finance was fuss-free.

Owner,Alchemy Coffe

WHAT CAN INVOICE FINANCE BE USED FOR?

Our Invoice Finance offering can be used for a broad variety of growth and investment opportunites, and can be used for:

  • Working Capital Requirements
  • Projects and Growth Initiatives
  • Mergers & Acquisitions (M&A)
  • Seasonal Cash Requirements
  • Turnaround and Restructuring Scenarios
  • Interim Bridging Requirements

Talk to our invoice finance specialist today about what you need and we’ll  find the right finance to help bring your plans to life.

INVOICE DISCOUNTING VS INVOICE FACTORING

The most common invoice finance options are invoice discounting and invoice factoring.

With invoice discounting, your business enters into a confidential agreement with the finance provider, but you retain full credit control and management of the seller ledger. You continue to be responsible for chasing and collecting payments from customers who are not aware that you are financing their invoices, maintaining your good relationship with them.

With invoice factoring, the finance provider buys your invoices and chases or collects payments from debtors on your behalf. It takes over the management of the seller ledger and once they receive payments, they send you the remaining balance minus any fees and charges.

ABOUT WHITE OAK

White Oak is an FCA authorised and regulated European Lending Platform which provides capital to support SMEs and mid-corporates through its full suite of flexible lending products

Since being established in 1986 we have focused on becoming a long-term finance partner to our customers, providing the right solution to support their business throughout their growth and development

Headquartered in the UK, our team of nearly 200 specialists are trusted by over 20,000 SMEs and mid-corporates who have rated White Oak as the number one non-bank finance provider on Feefo* with a rating of 4.9/5.0.

As a financing affiliate of White Oak Global Advisors, LLC (WOGA), we are able to support our clients globally and draw on the experience of a net-work of 470 finance professionals

INVOICE FINANCE PRODUCT OVERVIEW

Product Terms

  • Borrow from £200k to £5m 
  • Up to 95% advance rates
  • 30 to 120 days debtor terms

Eligibility Requirements

  • Trading for 3 years or longer
  • Turnover between £200k and £10m
  • Suitable for businesses only
Get in touch to discuss the invoice finance you need and speak to someone in our team who understands your business goals.

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