What percentage of an invoice can be funded?
Invoice finance commonly releases between 80% and 90% of an eligible unpaid B2B invoice. Some providers may offer up to 95%, while selected specialist facilities may reach 100%. The actual advance depends on the invoice, customer, business and facility terms.
Go-Factor compares the advertised percentage with the cash genuinely available after customer limits, reserves and other restrictions. A higher headline advance does not automatically produce a better facility.
How Is the Advance Calculated?
On an eligible £10,000 invoice, an 85% advance could make £8,500 available before any additional reserves or adjustments.
When the customer pays, the remaining eligible balance is released after the provider deducts the agreed charges and any other adjustments.
What Affects the Percentage Available?
- The customer’s credit quality and payment record.
- Whether the goods or services are complete and accepted.
- Customer concentration within the sales ledger.
- Disputes, credit notes, contra trading and overdue invoices.
- The business sector, contract and invoicing process.
- The quality of the financial and debtor information.
Why Might the Usable Percentage Be Lower?
Funding above an approved customer limit may be unavailable.
Reliance on one large customer may reduce the cash available.
Disputed, incomplete or excessively overdue invoices may be excluded.
Construction applications, stage payments, retentions and contractual invoices need specialist assessment. Consumer invoices and invoices for incomplete work are not normally suitable for standard invoice finance .
Can New Businesses Receive a High Advance?
Potentially. A new business is not automatically restricted to a low advance. Providers will consider its customers, completed work, directors’ experience, contracts and financial controls.
Go-Factor helps new companies identify providers that actively consider new-start business funding .
Can One Invoice Be Funded?
Yes. A business may use single-invoice finance to fund one eligible invoice rather than its complete sales ledger. The advance and total cost will depend on the individual transaction.
Should I Approach Every Invoice Finance Provider?
No. Do not flood the market with the same enquiry. Approaching numerous providers can create duplicate applications, unnecessary calls and conflicting information.
Many providers record the first direct approach or introduction they receive. If your business has already approached the complete market, Go-Factor may be unable to use parts of its funding panel or negotiate from a clean starting position.
Speak to Go-Factor first. We will understand the requirement, identify the providers most likely to support it and make a controlled approach to a suitable shortlist. This protects your time, keeps the process organised and avoids enquiries reaching funders that are not right for your business.
Go-Factor insight: Compare effective availability—not only the advertised advance. A facility offering 90% with restrictive customer limits may release less cash than an 85% facility with stronger limits and fewer reserves.
HMRC describes immediate invoice-finance advances as typically 80% of the debt while recognising that facility structures vary. Read the official HMRC explanation .
Find Out How Much Your Invoices Could Release
Send Go-Factor your aged-debtor report and funding requirement before approaching the wider market. We will compare suitable providers, advance rates, customer limits and the cash genuinely available.
Request Your Funding ReviewAdvances remain subject to invoice eligibility, customer limits, provider assessment, approval and agreed terms.
