Invoice Finance in Liverpool
CoreFi arranges invoice finance for Liverpool businesses, typically limited companies that invoice other businesses on credit terms. Factoring and invoice discounting release cash tied up in unpaid invoices. We match your ledger to lenders who fund Merseyside firms. Advance rates and fees are indicative and depend on your debtor book and lender appetite.
Invoice finance releases the cash tied up in your unpaid sales invoices, so you are not waiting 30, 60 or 90 days to be paid for work you have already done. It suits businesses that sell to other businesses on credit terms, which is a large part of Liverpool's economy: hauliers and freight forwarders billing importers and retailers around the Port of Liverpool, manufacturers and their suppliers at Halewood and Speke invoicing on trade terms, recruitment and labour-supply firms funding weekly payroll ahead of client payment, and wholesalers, contractors and B2B service firms across the city region. As invoices are raised, the lender advances a share of their value straight away, and the balance follows when your customer pays. CoreFi is a commercial finance broker; we match your requirement to lenders whose criteria fit. We do not lend ourselves and we do not set the advance rate or fee. Any figure mentioned here is indicative and for illustration only.
- 1
Tell us about your ledger
Share roughly what you turn over, who your main customers are, your typical payment terms and whether you want collections handled for you. It costs nothing to start.
- 2
We match you to invoice funders
We identify funders whose appetite fits your sector, ledger size and debtor spread, and package the case so it is presented properly the first time.
- 3
Review terms and proceed
Interested funders come back with indicative advance rates and fees. Any figure is illustrative until formally offered. You choose the fit, and we help set the facility up.
Factoring and invoice discounting
There are two main forms. With factoring, the lender advances against your invoices and also runs the credit control, chasing payment from your customers; your customers know a facility is in place. With invoice discounting, you keep control of collections and the arrangement is usually confidential, so your customers need not know. Factoring can suit smaller or growing businesses that value the credit-control support, while discounting tends to suit established firms with their own finance function. Both can be arranged for the whole ledger or for selected invoices only. The lender advances a share of each qualifying invoice up front, commonly a large majority of the value, with the remainder released, less the fee, once the customer pays. The exact advance rate and charges depend on your debtor book, your sector and the lender, so we avoid quoting fixed figures.
What Liverpool lenders look at
For invoice finance the debtor book is the main event. Lenders assess who your customers are and how creditworthy they are, how your invoices are raised and evidenced, your typical payment terms, and any concentration risk, meaning how much of your turnover sits with one or two large customers. A clean, spread ledger of solid business customers is easier to fund than a book dominated by a single debtor or complicated by stage payments and retentions. Some sectors are handled with care: construction, where contracts often carry applications for payment and retentions, and recruitment, where payroll timing is critical, both need a lender comfortable with those mechanics. Liverpool has plenty of both, alongside logistics and wholesale ledgers that funders tend to like, and we match your book to lenders whose appetite fits how you actually trade.
Why bring the deal to CoreFi
The invoice finance market ranges from the big bank-owned providers to independent and specialist funders, and their appetite differs by sector, ledger size, debtor spread and how much support you want. Pricing and service quality vary just as much, and the headline advance rate rarely tells the whole story once fees and terms are added in. We hold that detail across our panel, so we can steer your ledger to the funders most likely to fund it well and package the case so it is assessed properly the first time. That helps whether you are a Bootle haulier funding fuel and wages ahead of payment or a city-centre agency waiting on client invoices. We cannot promise an advance rate or an approval, because those sit with the lender, but we can save you the legwork and be straight about what suits your book.
Frequently asked questions
What is the difference between factoring and invoice discounting?
With factoring the lender advances against your invoices and runs credit control, so your customers know a facility is in place. With invoice discounting you keep control of collections and the arrangement is usually confidential. We help you weigh which suits your business.
Will my customers know I use invoice finance?
With confidential invoice discounting they usually will not, because you continue to collect payment as normal. With factoring they will, because the lender handles collections. The right choice depends on how you trade and how you feel about disclosure.
Which Liverpool businesses does invoice finance suit?
Businesses that invoice other businesses on credit terms and wait to be paid: hauliers and freight firms, manufacturers and their suppliers, wholesalers, recruitment agencies and B2B service firms. It is less relevant if you are paid up front or sell mainly to consumers.
Do you set the advance rate and fees?
No. We are a broker. The lender sets the advance rate and charges against your debtor book, sector and how you trade, and any figure we discuss beforehand is indicative only.
Get matched with lenders for your Liverpool 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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