Invoice Finance

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

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

Confidential (invisible) options to protect client relationships

We benchmark every offer so you don’t overpay

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:

Need a single upfront sum (consider Fixed-Term Loans)

Can’t confidently manage short-term repayments

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Is it right for me?

Best when you:

Work with other businesses on payment terms

Need liquidity without taking on long-term debt

Want funding that grows with your sales

Think twice if:

Sell directly to consumers

Need a large one-off capital injection

Raise invoices in advance

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.