What Is Confidential Invoice Discounting?
Confidential invoice discounting releases working capital against eligible unpaid B2B invoices while your business retains control of its sales ledger, credit control and customer collections. The facility is not routinely disclosed to customers.
Once a facility is active, funding against an approved invoice can often be available within 24 hours. That means faster access to cash for wages, fuel, suppliers, new orders and business growth—without waiting 30, 60 or 90 days for customers to pay.
Why Speak to Go-Factor?
Go-Factor is an award-winning independent UK invoice finance specialist. We are not tied to one lender. We compare suitable invoice discounting providers and negotiate the funding, pricing and terms around your business.
The lowest advertised rate is not always the best deal. Go-Factor also compares:
- The funding percentage and usable cash available.
- Customer concentration limits and reserves.
- Service fees and discount charges.
- Personal guarantees and security.
- Contract length and notice periods.
- Service standards and flexibility.
Our job is to help you secure the right facility at the right price quickly.
Can Go-Factor Get Me Better Invoice Discounting Rates?
If you already have invoice discounting, do not assume your current facility remains competitive.
Go-Factor has a strong track record of securing better pricing for businesses that review their existing facility and move to a suitable replacement provider.
Simply send us your current facility agreement, latest aged-debtor report and recent financial information. We will review the real cost, identify restrictions and compare suitable alternatives.
How Quickly Can Go-Factor Help?
Once we receive the key information, Go-Factor can often obtain initial indicative terms within 24 to 48 hours.
This is different from the funding timeline. After an approved facility is operational, cash against eligible invoices can often be accessed within 24 hours.
Is Switching Invoice Discounting Provider Difficult?
Moving is normally easier than businesses expect and the incoming provider will usually settle the balance with the outgoing provider as part of the transfer. Therefore, the business does not normally need to find the cash to repay its existing facility first.
Go-Factor helps coordinate the review, negotiation and transfer through to completion.
Can New Businesses Use Confidential Invoice Discounting?
Yes. Some providers will consider new-start businesses, particularly where:
- The directors have relevant industry experience.
- The business has suitable B2B customers.
- Invoices relate to completed work.
- Credit-control procedures are reliable.
- Financial information is accurate and available.
Go-Factor knows which providers actively consider new businesses and how to present the application properly.
Will My Customers Ever Know?
Confidential invoice discounting is not routinely disclosed to customers. However, the provider may retain rights to verify invoices or contact customers in circumstances set out in the facility agreement.
Go-Factor insight: A lower rate is only a better deal when the facility also provides sufficient usable cash, suitable customer limits, reasonable reserves and acceptable exit terms.
HMRC describes invoice discounting as a confidential or undisclosed arrangement that may operate with or without recourse. Read the official HMRC explanation of invoice discounting .
For a more detailed product explanation, visit Go-Factor’s invoice discounting guide .
Get Better Invoice Discounting Terms—Fast
Whether you are arranging your first facility, checking your current rates or preparing to move provider, speak to Go-Factor. We will review your position, compare suitable providers and help secure the right facility.
Request Your Fast Invoice Discounting ReviewFunding is subject to provider assessment, approval and agreed terms.
