UK Invoice Finance Tools
Free interactive tools to help UK businesses evaluate invoice finance: affordability, true APR comparison, approval likelihood, debtor concentration risk, and cost comparisons. All tools work in your browser; no email required to use.
Invoice Finance Affordability Calculator UK
Tells you whether your monthly invoice finance cost is sustainable based on your turnover and margin.
Invoice Finance APR Equivalent Calculator UK
Translates a quoted invoice finance facility (service charge % + discount charge) into a true APR eq....
Early Payment Discount vs Invoice Finance Calculator UK
A customer offers you 2/10 net 60 (2% discount for paying in 10 days, full payment in 60).
Debtor Concentration Checker for UK Invoice Finance
UK invoice finance providers cap funding when one customer represents too much of your sales ledger.
Cost of Not Using Invoice Finance Calculator UK
Quantifies the hidden cost of waiting for customers to pay: bank overdraft, missed early-payment dis....
Invoice Finance Approval Likelihood Checker UK
Quick approval-probability score based on the underwriting signals UK invoice finance providers actu....
Selective vs Whole-Book Invoice Finance Cost Calculator UK
Calculate which structure is cheaper for your business: selective spot factoring (per-invoice fees, ....
Invoice Age vs Advance Calculator UK
How much can you borrow against an invoice depending on its age? UK providers reduce advance rates f....
Lifetime Cost of Invoice Finance Calculator UK
Compounds monthly service charge + discount charge across a 12 to 36 month facility to show the true lifetime cost of your invoice finance facility.
Invoice Finance Eligibility Checker UK
Quick eligibility check against the most common UK invoice finance underwriting criteria: turnover, debtor count, industry, and trading history.
Invoice Finance Fee Comparison Template (CSV)
Free editable CSV template to line up service charge, discount margin, advance rate and fees from up to three quotes side by side. No email required.
Is Factoring Cheaper Than an Overdraft or Loan? UK Comparator
Side-by-side annual cost of factoring vs a business overdraft vs a term loan for the same funding gap, with an honest verdict on when invoice finance is the wrong answer.
Working Capital Calculator UK
Enter current assets and current liabilities to get your working capital, current ratio and a plain-English verdict, plus how much cash your debtor book could release.
Free UK Credit Note Template (VAT-Compliant)
Copy or download a credit note template with every field HMRC requires under Regulation 15C, plus a statement of account template. No email required.