Invoice Finance & Factoring
Invoice finance releases the cash tied up in your unpaid invoices, so you don't have to wait 30, 60 or 90 days to get paid. It improves liquidity and reduces debtor days, giving you predictable cash flow. Sadi's Commercial Finance arranges invoice finance and factoring facilities suited to your customers and sector.
Who it's for: businesses that invoice other businesses on credit terms — particularly those in recruitment, wholesale, manufacturing and services where late payment strains cash flow.
How it works: a lender advances a percentage of each invoice's value soon after you raise it, then releases the balance (less fees) once your customer pays.
Key features
- Factoring and discounting
- Confidential or disclosed options
- Integration with accounting platforms
Why use Sadi's Commercial Finance
We compare providers on advance rates, fees and service, and help you choose between factoring (they manage collections) and invoice discounting (you stay in control).
Case study
A recruitment agency unlocked £80k from outstanding invoices, improving cash flow and avoiding overdraft reliance.
How to Get Invoice Finance with Sadi's Commercial Finance
- Speak to a specialist. Tell us about your invoicing customers, credit terms and how much is tied up in unpaid invoices.
- Share your invoice book. Provide a picture of outstanding invoices and how spread out your debtors are.
- Choose factoring or discounting. We help you decide between disclosed factoring and confidential invoice discounting.
- Get matched with a provider. We compare advance rates, fees and service across our panel.
- Funds advanced. A percentage of each invoice is released soon after you raise it, with the balance paid on settlement.
What's the difference between factoring and discounting?
With factoring the provider manages your credit control; with discounting you keep collecting payments yourself, often confidentially.
Will my customers know I use invoice finance?
With confidential facilities, no — collections continue in your name.
How much of each invoice is advanced?
Typically a large percentage upfront, with the remainder paid on settlement — exact rates vary by provider.