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Invoice Finance

Free up your cash flow – our flexible invoice finance system will advance you part of your customer invoice, meaning you can put that money to use faster

Already an Invoice Finance customer?

Get an advance on your invoice

We’ll advance you part of your invoice within 24 hours, meaning you won’t need to wait until your customer pays up

Clear and fair pricing

Only be charged for what you’ve borrowed and the agreed service fee

No cancellation penalty

End your contract with no penalty fee with just 28 days’ notice

Talk to us about Invoice Finance Now

Contact us online

Give us a call

Contact our dedicated teams

OfficeTelephone numberFaxAddress
Guildford 01483 531100 01483 565488

35-37 North Street, Guildford, Surrey, GU1 4TE

Basildon 01277 237177 01277 204056

2/6 East Walk, Eastgate Centre, Basildon, Essex, SS14 1HH

Sheffield 0114 256 0033 0114 244 5472

Hallamshire House, Meadowcourt, 5 Hayland Street, Sheffield, S9 1BY

Alternatively, please contact Martyn Price, Regional Director, London and South

Email Martyn

or James Scarborough, Regional Director, Midlands and North

Email James

More information

More information

What is invoice financing?

Cash flow doesn’t always run smoothly – sometimes customers are slow to pay. You may have a lot of invoices out, but the money may not have come in yet. Invoice financing solves that problem. When you send out an invoice, we pay you part of the money within 24 hours. We pay the rest when the customer pays the debt, less any discount fees.

It gives you extra flexibility, making sure your cash flow doesn’t limit your business growth. If you get discounts by paying your suppliers early, it could mean you save money as well.

How does it work?

  • You supply goods or services to your customer and raise an invoice.
  • You upload the invoice electronically onto your ledger with Metro Bank Invoice Finance – that’s us.
  • We advance you an agreed percentage of the invoice (the prepayment rate).
  • Either we chase payment from your customers, or you do – read on for more about the options.
  • Once the customer pays the invoice, the money gets banked with us and allocated against the ledger.
  • We pay the balance of the invoice to you, less fees.

Want to know how Invoice Finance could improve your cashflow? Contact us now

The two options for Invoice Financing:

You do the chasing – 100% confidential, and great for established businesses with credit control systems in place

  • You invoice, chase and collect payment from customers using your usual processes.
  • You allocate the money against the sales ledger and bank the cash via a trust account.

We do the chasing – Great for new businesses, we’ll do the hard work of making sure your invoices get paid.

  • We send customised statements and letters to your customers.
  • We save you time by chasing payment on your behalf.
  • We collect and allocate customers' payments to your account.

Requirements for invoice financing

  • We can fund anyone from a start-up to a PLC – we don’t need your first year’s accounts.
  • Your invoices must be for business-to-business sales.
  • It requires clean non-contractual debts. A non-contractual debt is a debt that doesn’t have any clauses in the contract that mean the customer could claim back the money or not pay at all – for example, in the construction industry where someone is not happy with the completed work and doesn’t pay the full bill.

Fees and charges

Fees and charges

Prepayment %Payment timeFeesContract periodClearing days

Up to 85% of your invoice

24 hours

Tailored to each loan

28 days' notice

No interest charged while your money clears

How much does it cost?

There are two types of fees:

  • You pay interest only on the money we advance to you. It’s charged in a similar way to an overdraft, called a discount fee
  • You also pay a service fee. This will depend on the type of service you choose

Get all the details on our Invoice Finance account

Download our PDF to read when you like - it contains all the ins and outs of our Invoice Financing offering.

Invoice Financing Details (PDF) (818KB)

Terms and Conditions for Metro Bank SME Customers (PDF) (143KB)


  • How long does it take to put invoice financing in place?

    It can take as little as 2 weeks to set up, but on average it works out at around 3-6 weeks. Your Relationship Manager will help advise you on likely timescales.

  • What happens if an invoice is not paid?

    If an invoice is not paid within the agreed period (typically 90-120 days) then you would repay us directly. Alternatively, you can apply Bad Debt Protection which provides protection against insolvency and protracted default.

  • Is the service charge paid on a weekly/monthly/annual basis, or for each invoice received?

    The service charge is applied to all of your invoices that are uploaded.

  • What do I need to apply for invoice finance?

    Nothing, just contact us and we'll talk you through everything!

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