Receivables finance
Confidential invoice discounting for growing companies.
Release cash from unpaid invoices while you keep control of your own credit control and customer relationships — typically without your customers knowing finance is in place.
Check invoice discounting fit
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Check invoice discounting optionsFree to enquire · subject to status and provider criteria
- Access cash against your unpaid invoices as you raise them.
- Keep managing your own credit control and customer relationships.
- Usually confidential — designed so customers need not know finance is in place.
What invoice discounting is
Invoice discounting is receivables finance that lets a business draw cash against its unpaid invoices while continuing to run its own sales ledger. Unlike factoring, collections stay with you, and the facility is usually confidential to your customers.
How discounting works
As you invoice your business customers, you can draw down an agreed share of the value. You continue to collect payment yourself, and repay as customers pay you. Advance rates, fees and terms depend on the provider, your debtors and your ledger.
Who invoice discounting suits
Discounting tends to suit more established UK limited companies with their own credit-control processes and stronger reporting, that want funding without handing over customer collections. Providers often look for a track record and a certain level of turnover.
How Muve handles your enquiry
Muve captures the minimum information needed to understand your business, funding need and invoice profile, then reviews and routes the enquiry manually. Lender names and routing rules are not shown on the public page.
Why compare with Muve
- Suited to established UK incorporated businesses.
- Manual review before routing to a finance partner.
- Introducer, not a lender.
Pros and cons
Pros
- Confidential — customers usually won't know finance is in place.
- You keep control of credit control and customer relationships.
- Access cash against invoices as you raise them.
Watch-outs
- Usually needs an established track record and stronger reporting.
- You still run your own collections.
- Depends on debtor quality and turnover.
What it costs
Discounting is usually priced as a service fee plus a discount charge on the funds drawn. As collections stay with you, it can work out differently from factoring — compare the all-in cost for your situation.
- Turnover and the quality of your sales ledger.
- Your credit-control processes and reporting.
- The advance rate and discount margin set by the provider.
What you'll need to enquire
- Your registered company name (we'll find you on Companies House).
- Your annual turnover and trading history.
- An overview of your credit-control process.
- How much funding you need.
Ready to see which finance routes could fit?
Check invoice discounting optionsFrequently asked questions
Will my customers know I am using invoice discounting?
Usually not. Discounting is normally designed to be confidential, with your business keeping its own credit control and customer relationships. Confirmation depends on the provider and facility.
How is discounting different from factoring?
With discounting you keep collecting from customers yourself and the facility is usually confidential; with factoring the provider typically handles credit control and collections. See our factoring vs discounting guide.
What do providers look for?
Providers commonly look for an established trading history, robust credit control and a certain level of turnover, but criteria vary. Any facility is subject to status and provider checks.
Who can apply?
Invoice discounting through Muve is for UK incorporated businesses — limited companies, PLCs and LLPs — that invoice other businesses.
Written by the Muve editorial team.