Invoice Finance

Unlock the Cash You’ve Already Earned

Waiting 30, 60, or 90 days to get paid? Invoice finance turns your receivables into working capital so you can cover payroll, pay suppliers, and grow without delay.

Find your funding

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Quick Snapshot

Advance Rate

Up to 90–99% of invoice value

Types

Selective, Whole Turnover, Factoring

Typical Term

Rolling monthly or annual agreements

Fees

0–3% service fee plus interest

Security

Often unsecured; limited PG or debenture for whole turnover

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What Is Invoice Finance?

Invoice finance lets you unlock cash from unpaid invoices, typically within 24 to 48 hours. You get most of the value upfront, and the rest (minus fees) once your customer pays.

Best for:

  • B2B businesses on 30 to 90 day terms
  • Wholesalers, manufacturers, construction and service providers
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Why Businesses Choose Risecap

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Confidential (invisible) options to protect client relationships
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We benchmark every offer so you don’t overpay
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Fast lender-matching based on real credit criteria
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Is it right for me?

Best when you:
Have seasonal or uneven revenue
Need working capital you can control
Want to avoid multiple applications
Think twice if:
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Need a single upfront sum (consider Fixed-Term Loans)
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Can’t confidently manage short-term repayments
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Is Risecap Invoice Finance the Right Choice for You?

Best when you:
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Work with other businesses on payment terms
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Need liquidity without taking on long-term debt
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Want funding that grows with your sales
Think twice if:
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Sell directly to consumers
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Need a large one-off capital injection
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Raise invoices in advance
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Freqently asked questions

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How fast can I get funded?

Within 24 to 48 hours after setup. Whole turnover facilities can take 1-3 weeks to set up.

Will my customers know?

Not with a confidential facility.

Do I have to fund every invoice?

No. Selective options let you choose what to fund.

Do I need to sign a PG?

Often yes, but PG insurance can be arranged.

What’s the cost?

Expect 0.7 to 3% service fees plus a discount rate. We make sure it’s competitive.

Ready to Free Up the Cash in Your Invoices?

Find Your Funding