What Is an Availability Reserve in Invoice Finance?
The availability reserve is the portion of your invoice the provider holds back (the difference between 100% and your advance rate). On an 85% advance rate, the 15% reserve is held until your customer pays. The provider deducts their fees from this reserve and releases the remainder to you.
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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: 6 April 2026