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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.

If this sounds familiar
Trade finance may help with
Customers pay on 30, 60 or 90-day terms
Releasing working capital earlier
Cash flow is tight despite strong sales
Funding day-to-day costs
You need to pay suppliers before customers pay you
Bridging the payment gap
You want to accept more work but invoices are unpaid
Supporting growth
Your business has repeat B2B customers
Funding eligible invoices
You want a flexible alternative to a standard loan
Cash flow linked to invoices
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Consultoria e suporte estratégico de câmbio

Isso não é um call center. Você será emparelhado com um revendedor de câmbio dedicado que conhece seu negócio de dentro para fora

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.

Criamos o Millbank FX para mudar isso

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:

Margens previsíveis

Pagamentos mais rápidos e baratos

Menos erros manuais

Mais tempo gasto no crescimento de seus negócios

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.

Como a Empire Textiles simplificou os pagamentos globais e transformou seu fluxo de caixa com uma conta em várias moedas

A Empire Textiles é a maior loja dedicada a têxteis africanos do Reino Unido. Principalmente na Suíça e na Itália, mas vendendo para o mercado do Reino Unido.

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.

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Millbank FX is Authorised by the FCA

Regulated, safeguarded, and built for operational confidence

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.

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Obtenha uma sessão gratuita de estratégia de câmbio e uma verificação da taxa ao vivo

Com uma sessão de estratégia de câmbio do Millbank, você

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

Já tem um provedor de câmbio?

9 em cada 10 empresas que conhecemos já usam um provedor e deixam dinheiro na mesa — e elas nem sabem disso. E sim, você pode abrir sua conta diretamente se estiver pronto para agir mais rápido.

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Autorizado pela FCA
B2B Cash Flow Support
FCA Authorised Institution
FX & Payment Support

Conforme apresentado em:

Frequently asked questions about invoice finance

01
What is 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.

02
How does invoice finance work?

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.

03
Is invoice finance only for B2B businesses?

Invoice finance is usually most relevant to B2B invoices where customers pay on agreed payment terms. Consumer invoices are less commonly suitable.

04
Can I choose which invoices to finance?

Some lenders offer selective or spot invoice finance. Availability depends on your business, invoice quality, debtor profile and lender criteria.

05
Will my customers know?

It depends on the facility. Some invoice finance arrangements may be confidential, while others are disclosed. This should be confirmed before you proceed.

06
What percentage of an invoice can I access?

This depends on the lender, facility type, customer profile, invoice quality and payment history. Funding levels are not guaranteed.

07
What happens if my customer pays late?

This depends on the facility terms. You should understand what happens if payment is delayed, disputed or unpaid before entering into any agreement.

08
Is invoice finance the same as a business loan?

No. A business loan provides funding that is repaid over an agreed period. Invoice finance is linked to eligible unpaid invoices and customer payments.

09
Can invoice finance help me pay suppliers?

Yes, the working capital released from eligible invoices may help support supplier payments, payroll, overheads or growth needs.

10
Is approval guaranteed?

No. Invoice finance is subject to lender assessment, affordability, invoice eligibility, debtor profile and separate terms.

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