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Frequently asked questions
Invoice finance is a type of funding solution where businesses sell their outstanding B2B invoices to an invoice finance provider in exchange for a percentage of the invoice value upfront. This helps businesses improve cashflow by getting paid earlier for their sales, rather than waiting for customers to pay.
Businesses of all sizes and industries can benefit from invoice finance, particularly those that:
Have slow-paying customers.
Experience cash flow gaps between issuing invoices and receiving payments.
Are growing rapidly and need additional working capital and cashflow.
Factoring with Regency Factors improves your cash flow by turning your invoices into immediate working capital, helping you manage expenses, payroll, and growth opportunities without waiting for customer payments.
No - Regency provides factoring facilities to clients, which means we interact directly with your customers.
Once your factoring facility is set up, you can typically receive funds within 24 to 48 hours after submitting an eligible invoice.
Clients typically receive between 70-90% of the invoice's value upfront. The exact percentage depends on factors like industry, customer creditworthiness, and the financing company’s policies.
Yes, Regency Factors will collect payments directly from your customers, so they will be aware that you are using our factoring services. However, we handle all interactions professionally and discreetly.
Invoice finance is popular across various industries, including manufacturing, construction, recruitment, wholesale, and professional services, particularly in sectors where extended payment terms are common.
Yes, start-ups can use our services, provided they have issued invoices to creditworthy customers. We understand the unique challenges faced by new businesses and offer solutions tailored to their needs.
Yes, you can switch providers if you find better terms or services elsewhere. However, it’s essential to review any exit fees or contract terms with your current provider.
Collateral: Invoice financing uses unpaid invoices as collateral, while loans typically require other assets.
Repayment: Repayment in invoice financing depends on when your customers pay, whereas loans have fixed repayment schedules.
Yes, invoice financing can be particularly beneficial for small businesses that experience cash flow challenges due to long payment cycles. It provides quick access to working capital without the need for long-term debt.
You can start the process through the form here:
One of our experts will then get in touch with you to discuss you and your business.