Flexible Invoice Finance Solutions
Home
Invoice discounting, factoring and asset based lending
At Lloyds TSB Commercial Finance we offer a range of services all designed to improve business cashflow by releasing some of the cash tied up in the value of invoices.
Whether a sole trader, fast growing start-up or large corporate, we can help you find the right funding to suit your business.
Find out more about Invoice Finance
Invoice Discounting
Invoice Discounting
With our invoice discounting product, you will receive advances of funds against outstanding sales invoices.
Up to 85% of the value of your invoices can be paid out within 24 hours of raising them. This facility is provided confidentially, so customers remain unaware of the financing arrangements.
Invoice discounting solutions are tailored for specific needs of businesses with sales in excess of £250,000.
More on invoice discounting
Factoring
Factoring
Factoring is a flexible form of finance which advances money to a company as and when it issues new invoices, designed for businesses with a turnover greater than £100,000.
Up to 90% of the value of your invoices can be paid out within 24 hours of raising them, which can bridge the gap between raising an invoice and getting that invoice paid.
Factoring enables working capital to grow in line with sales and provides financial headroom for greater financial flexibility.
More on factoring services
Asset Based Lending
Asset Based Lending
Get more from your assets
Does your business have capital tied up in debtors, stock, plant & machinery or property? We could help turn these assets into cash.
Working alongside an Invoice Discounting facility, Asset based lending (ABL), can be a cost-effective alternative to increase the working capital of your business without slowing growth.
More asset based lending
Recruitment Finance
Recruitment Finance
Providing funding and payroll services for the UK temporary recruitment sector.
Our service is designed for all sizes of recruitment business and can provide invaluable support to both new and established agencies.
We provide a fully outsourced payroll management and funding service, which means temps get paid on time, whilst freeing up time to get the business moving in the right direction.
More on recruitment finance
Our Business Charter
Business Charter
...made better
The newly enhanced Business Charter is our pledge to be clear, straightforward and fair in all our dealings with you
Read more about the many benefits of our industry leading Charter
The enhanced Business Charter...
Debtor Protection
Debt Protection
Debtor Protection provides security for your business by protecting you against insolvency or non payment of invoices by your customers.
You may run a very successful business, however, have you thought about what would happen to your business if one of your customers became insolvent?
What would the impact be on your business?
At Lloyds TSB Commercial Finance we have a dedicated team who will work with you and provide you with a low cost, easy to manage service which could protect you from potentially damaging losses if a major customer suddenly fails.
More about debtor protection
Find your finance solution
Step 1: Select one of the options below
Press releases, case studies & news
Press Releases
The winner of the national final of Art of Nurture, a prestigious art competition organised by Lloyds TSB Commercial Finance will now see their work used in an advertising campaign for the bank.
The Managing Director of Lloyds TSB Commercial Finance joined a tax expert, SME advisor and an entrepreneur for a lively blogging session during the budget.
For management teams looking to buy a company, asset based lending (ABL) is becoming an increasingly popular form of finance to fund MBOs, BIMBOs and share buy-backs.
Case Studies
A six month old company supplying knitwear to some of UK’s biggest clothes retailers is set to push its turnover past the £3m after securing a factoring facility
A Birmingham manufacturer is set to increase turnover and employ more staff after securing an asset based finance facility from Lloyds TSB Commercial Finance
Dynamifix is set to expand into Europe to capitalise on growing demand for its products, after securing a factoring facility from Lloyds TSB Commercial Finance
News
The British population will grow to such a level that it will be the biggest country in Europe by 2050.
Businesses paid their bills significantly quicker than last year, according to analysis by Experian.
The government has published a paper which claims that invoice discounting and factoring plays a "crucial role" for businesses who want to secure working capital during the economic recovery.