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Answer a few questions for us to understand your business' needs
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We will advise which options could be suitable for your business
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We'll present any offers available for your business. You choose the one that best suits your business.
Whole book invoice finance means a lender advances funds against your entire sales ledger rather than selected invoices, creating a steady flow of working capital.
It can be structured as factoring (lender manages collections) or discounting (you retain control). Some agreements are disclosed, others confidential.
Provide goods or services to your customer and issue an invoice as usual.
Share the invoice details with your chosen invoice finance provider.
The provider will advance you a percentage of the invoice value, usually between 70% and 90%.
Your customer then pays the invoice either directly to the finance provider or to you, depending on the type of facility.
Once payment is received, the finance provider releases the remaining balance to you, minus their agreed fees or charges.
At Compare Invoice Finance, we make it easy to compare invoice finance options from leading UK lenders.
Whether you're looking for invoice discounting, invoice factoring, selective invoice finance, or any other type of invoice funding, our specialised partners, expert business finance brokers, help you find the best deal for your business, saving you time, money, and hassle.
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It ensures consistent cash flow across the business, reduces administrative strain, and can lower costs compared to selective invoice finance.
Best for businesses with a high volume of regular invoices, such as recruitment agencies, wholesalers, or logistics firms.
Whole book agreements usually require a contractual commitment and may involve turnover thresholds.
Around 80–90%.
Yes, particularly for businesses with high invoice volumes.
Less flexible than selective finance, but more stable.
Yes, facilities expand as sales increase.
Not if structured as confidential discounting.
