Can Invoice Factoring Replace My Credit Controller?

Disclosed factoring effectively outsources credit control to the provider. Many businesses with turnover under £3m use this to avoid hiring a dedicated credit controller (£35,000-£50,000 fully loaded). Above £3m turnover, an in-house credit controller plus invoice discounting is usually cheaper and gives more control.

OM

Oliver Mackman

Director, Market Invoice

Oliver leads Market Invoice's editorial and comparison research. With a background in UK commercial finance, he oversees provider analysis, rate verification, and industry reporting across all verticals.

Last reviewed: 20 April 2026

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