Invoice Finance in Bristol
CoreFi arranges invoice finance for Bristol businesses, typically limited companies that invoice other businesses and wait 30 to 90 days to be paid. Factoring and invoice discounting release cash tied up in the sales ledger. We match your book to suitable lenders. Terms are indicative and depend on your debtors and lender appetite.
Invoice finance releases the cash tied up in unpaid business-to-business invoices, so a company is not waiting 30, 60 or 90 days to be paid for work it has already delivered. It suits Bristol's substantial B2B base: the aerospace and engineering suppliers around Filton feeding long payment chains into primes and defence contractors; recruitment, staffing and consultancy firms across Harbourside and the centre; wholesalers, distributors and hauliers at Avonmouth and Severnside; and the agencies and studios in Temple Quarter and Stokes Croft billing corporate clients on extended terms. Wherever a business sells on credit to other businesses and carries a growing debtor book, invoice finance can smooth the gap. CoreFi is a commercial finance broker; we match your ledger to lenders whose criteria fit. We do not lend ourselves and we do not set the terms. Any figure mentioned here is indicative and for illustration only.
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Show us the ledger
Tell us your turnover, your typical payment terms and roughly who your customers are. An aged debtor report helps, and it costs nothing to start.
- 2
We match you to invoice lenders
We identify funders whose appetite fits your sector, ledger quality and turnover band, decide whether factoring or discounting suits, and package the case so it is presented properly.
- 3
Review terms and proceed
Interested lenders come back with indicative advance levels and charges. Any figure is illustrative until formally offered. You choose, and we help move it to facility.
How invoice finance works
The two main forms are factoring and invoice discounting. On invoice discounting the lender advances a share of an invoice's value soon after you raise it, and you keep collecting from your customers yourself, so the arrangement stays confidential. On factoring the lender also manages credit control and collections, which can help a smaller or fast-growing firm that does not want to run its own ledger. In both cases you draw down a percentage of the invoice up front, with the balance released, less the lender's charge, once your customer pays. It is a revolving facility that grows with your sales rather than a fixed loan, which suits businesses winning larger contracts or hiring ahead of payment. The lender prices against your debtor book, your sector and how your customers pay, so we avoid quoting fixed figures up front.
What Bristol lenders look at
For invoice finance, the debtor book matters as much as the borrower. Lenders assess who your customers are, how creditworthy they are, how spread the book is, and how reliably invoices get paid without dispute. A staffing firm billing established South West employers, or an engineering supplier invoicing well-rated primes around Filton, tends to present a strong ledger. Concentration is the common sticking point: if one large customer makes up most of your turnover, some lenders pull back or cap that debtor. Sectors with staged billing, retentions or work-in-progress, such as construction, are more specialist and need a lender comfortable with contractual invoices. We know which funders suit which ledgers, and being ready with an aged debtor report and sample invoices moves a case forward faster.
Why bring the deal to CoreFi
The invoice finance market runs from high-street banks to independent and specialist funders, and their appetite varies a lot by sector, ledger quality, customer concentration and turnover band. A confidential discounting line for an established Harbourside consultancy and a full factoring facility for a young Avonmouth wholesaler suit very different providers, and pricing and service quality vary widely between them. We hold that criteria detail across our panel, so we can focus your enquiry on the lenders most likely to fund your book on sensible terms, and package it so it is assessed properly the first time. We cannot promise a rate, an advance level or an approval, because those sit with the lender and depend on your debtors, but we can save you the legwork and present the ledger clearly.
Frequently asked questions
What is the difference between factoring and invoice discounting?
With discounting you keep collecting from your own customers and the facility stays confidential; with factoring the lender also runs credit control and collections. Discounting often suits established firms that want to keep the arrangement private, factoring can suit smaller or fast-growing businesses. We advise which fits your situation.
Will my customers know I use invoice finance?
Not necessarily. Confidential invoice discounting is designed so your customers deal with you as normal. Factoring involves the lender in collections, so it is more visible. The right choice depends on your ledger and preferences, and we talk it through.
Does customer concentration matter?
Yes. A book spread across several good customers is easier to fund than one where a single debtor dominates your turnover. Some lenders cap or exclude concentrated debtors. We match you to funders comfortable with the shape of your ledger.
Do you set the advance rate and charges?
No. We are a broker. The lender prices the facility against your debtor book, sector and payment behaviour, and any figure we discuss beforehand is indicative only.
Get matched with lenders for your Bristol business
Tell us what your business needs and we will match you with lenders whose criteria fit. No obligation, no cost to start the conversation, and a straight answer about what is realistic for your situation.
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