Invoice Finance to Release Cash from Unpaid Invoices
Waiting for customers to pay can put pressure on cash flow, even when sales are strong.
Millbank FX Invoice Finance helps businesses explore funding options linked to eligible unpaid B2B invoices, giving you more flexibility to pay suppliers, manage overheads or take on new opportunities.
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Is invoice finance right for your business?
Invoice finance may be relevant if your business raises invoices to other businesses and waits for customers to pay on agreed terms.
What is invoice finance?
Invoice finance allows a business to access funding linked to unpaid B2B invoices.
Instead of waiting for customers to pay on their normal terms, your business may receive an advance against eligible invoices. The remaining balance, less lender fees and charges, is usually paid once the customer settles the invoice.
It can be useful for businesses that are profitable on paper but restricted by customer payment terms.
Will my customers know?
It depends on the type of invoice finance.
Some facilities can be confidential, meaning your customers may not be aware of the arrangement, subject to lender approval and facility structure. Other facilities are disclosed, meaning the lender’s involvement may be visible to customers or may involve customer verification.
Before you proceed, you should understand:
Whether the facility is confidential or disclosed
Who manages collections
Whether customers are contacted
How payments are handled
What happens if a customer pays late
What fees and charges apply
Millbank FX can help you understand the options before you make a decision.
How Invoice Finance works
We keep the process clear, structured and focused on the funding outcome your business needs.
1. Tell us about your invoices
We start by understanding the invoice value, customer payment terms, debtor profile and why you need funding.
2. We review the relevant route
We help determine whether invoice finance is likely to be appropriate, or whether trade finance or a business loan may be a better fit.
3. Provide business and invoice information
You may be asked for invoices, debtor reports, bank statements, accounts and other financial information.
4. Upload documents securely
Supporting documents are uploaded through a secure digital process with clear instructions.
5. Progress with available options
Once assessed, any available options are presented clearly so you can decide whether to proceed.
Millbank FX is Authorised by the FCA
Safeguarded Funds
Your funds are held in safeguarded accounts, kept separate from operating funds, providing peace of mind with every transaction and an extra layer of security.
Secure and Trustworthy
Our advanced encryption and security protocols protect your data, ensuring every transaction is secure and handled with the highest level of integrity.
FCA Authorised
As a licensed payment institution, we meet rigorous regulatory standards and report to the Financial Conduct Authority (FCA), ensuring robust oversight and compliance.
Your customers may pay in 60 days. Your business still has to move today.
Get a no-obligation invoice finance discussion
With a Millbank FX invoice finance discussion, you’ll speak with our team about your unpaid invoices, customer payment terms and working capital requirement.
In turn, you’ll get a clear view on how to:
Access funding linked to eligible unpaid invoices where invoice finance is suitable
Improve working capital while customers pay on terms such as 30, 60 or 90 days
Understand available facility types including confidential, selective or invoice discounting options where relevant
Already using an overdraft or waiting for customers to pay?
An overdraft may help with general cash flow, but it is not always structured around your sales ledger. If your business has strong B2B invoices but slow customer payment terms, invoice finance may provide a more targeted way to release working capital.
Choose your next step...
Unpaid Invoice Funding
B2B Cash Flow Support
FCA Authorised Institution
FX & Payment Support
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Frequently asked questions about invoice finance
Invoice finance is a funding facility linked to unpaid B2B invoices. It allows a business to access working capital against eligible invoices before the customer pays.
Your business raises an invoice to a customer. If the invoice is eligible, a percentage of the invoice value may be advanced. Once the customer pays, the remaining balance is paid to your business after lender fees and charges.
Invoice finance is usually most relevant to B2B invoices where customers pay on agreed payment terms. Consumer invoices are less commonly suitable.
Some lenders offer selective or spot invoice finance. Availability depends on your business, invoice quality, debtor profile and lender criteria.
It depends on the facility. Some invoice finance arrangements may be confidential, while others are disclosed. This should be confirmed before you proceed.
This depends on the lender, facility type, customer profile, invoice quality and payment history. Funding levels are not guaranteed.
This depends on the facility terms. You should understand what happens if payment is delayed, disputed or unpaid before entering into any agreement.
No. A business loan provides funding that is repaid over an agreed period. Invoice finance is linked to eligible unpaid invoices and customer payments.
Yes, the working capital released from eligible invoices may help support supplier payments, payroll, overheads or growth needs.
No. Invoice finance is subject to lender assessment, affordability, invoice eligibility, debtor profile and separate terms.
