Invoice Factoring
Turn unpaid invoices into working capital
At GIFCO, we know that waiting 30, 60, or even 90 days for invoices to be paid can create real strain on your cashflow. Invoice factoring gives you fast access to the cash tied up in those invoices by advancing up to 85–90% of their value within just 24–48 hours.
The key difference with factoring is that the finance provider manages collections for you—chasing payments and handling your sales ledger directly. This frees up your time, reduces administrative pressure, and provides the working capital you need to cover payroll, manage day-to-day operations, or invest in growth.
When your customer pays, the provider deducts their service fee and releases the remaining balance back to you.
How Invoice Factoring Works
Service fees typically range between 0.75% and 2.5%, covering credit control, collections, and administration
Invoice Factoring VS Invoice Discounting
Both factoring and discounting unlock cash from invoices, but the difference is in control and visibility:
If you prefer a hands-off approach with less admin, factoring is often the better fit. If you value confidentiality and control, discounting may suit you more.
Benefits of Invoice Factoring
If you are unsure, please give one of our helpful team a call
Is it Right For Your Business?
Factoring is particularly useful if:
At GIFCO, we don’t just connect you to a product—we help you find the right facility that keeps your business moving, while ensuring full compliance, transparency, and support every step of the way.
