Receivables finance
Invoice factoring that unlocks cash from your sales ledger.
Release cash from unpaid B2B invoices and hand day-to-day credit control to your provider — so your team can focus on the work, not chasing payment.
Check invoice factoring fit
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Compare your options in one short enquiry — it takes about 60 seconds.
Check invoice factoring optionsFree to enquire · subject to status and provider criteria
- Release cash tied up in unpaid B2B invoices without waiting for payment terms.
- Outsource credit control and collections to your finance provider.
- Access funding that scales with your sales ledger as your business grows.
What invoice factoring is
Invoice factoring is a form of receivables finance. A provider advances cash against your unpaid business invoices and, unlike invoice discounting, usually takes on credit control and collections too. It is not a fixed-term loan — funding is linked to your sales ledger.
How factoring works
You raise invoices to your business customers as usual. The provider advances an agreed share of each invoice's value up front, then collects payment from your customers and releases the balance, less their fee. Advance rates, fees and terms depend on the provider, your debtors and your ledger.
Who invoice factoring suits
Factoring tends to suit UK limited companies that invoice other businesses and would value support with credit control — for example, growing companies where chasing payment is a drain on the team. Because collections are usually handled by the provider, your customers are typically aware finance is in place.
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. We do not show lender names or routing rules on the public page.
Why compare with Muve
- Built for UK incorporated businesses with B2B customers.
- Manual review before routing to a finance partner.
- Introducer, not a lender.
Pros and cons
Pros
- Releases cash from unpaid invoices without waiting for payment terms.
- Credit control and collections handled for you.
- Funding grows with your sales ledger.
Watch-outs
- Your customers are usually aware finance is in place.
- Costs more than collecting the invoices yourself.
- Depends on debtor quality and B2B invoicing.
What it costs
Factoring is typically priced as a service fee (covering credit control) plus a discount charge on the advance. Because collections are included, compare the all-in cost against discounting and against doing collections in-house.
- Your turnover and the size and spread of your debtor book.
- The service fee for outsourced credit control.
- 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.
- Typical invoice values and number of customers.
- How much funding you need.
Ready to see which finance routes could fit?
Check invoice factoring optionsFrequently asked questions
Will my customers know I am using factoring?
Usually, yes. With factoring the provider typically handles collections, so your customers are generally aware finance is in place. If confidentiality matters, invoice discounting may be a better fit.
How much of each invoice can I access?
Providers commonly advance a large share of an invoice's value, but the exact advance rate, fees and terms depend on the provider, your debtors and your ledger. Any facility is subject to status and provider criteria.
Is factoring a business loan?
No. Factoring is receivables finance linked to your unpaid invoices rather than a standard fixed-term loan.
Who can apply?
Invoice factoring through Muve is for UK incorporated businesses — limited companies, PLCs and LLPs — that invoice other businesses.
Written by the Muve editorial team.