Disclosed vs Undisclosed Invoice Finance, What's the Difference?
Disclosed (factoring): your customers know a finance company is involved. They see the provider's name on correspondence. Undisclosed (discounting): customers have no idea. Everything is in your name. Undisclosed costs more but protects relationships. 85% of the UK market uses undisclosed.
OM
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: 13 April 2026