Invoice Discounting Advisory.
Invoice discounting advances funds against outstanding invoices while the business retains control of customer collections — typically confidential, so customer relationships aren't affected.
Confidential Facility · Retained Collections · Invoice-Backed Advance
Where This Applies
- Working capital is needed against invoices without alerting customers to third-party financing.
- The business wants to retain direct control over its own collections process.
- A confidential facility is preferred over a disclosed factoring-style arrangement.
- Advance rates and tenor need to be matched to the business's specific invoice profile.
How We Approach It
We structure invoice discounting facilities that advance a percentage of invoice value upfront while the business continues managing its own customer collections, keeping the arrangement confidential where that matters.
What Lenders Actually Evaluate
Because invoice discounting is confidential — your customer is never notified and continues paying you directly — a lender is really underwriting your own collection discipline as much as the invoice itself. Expect scrutiny of debtor concentration (how much of the ledger sits with one or two large customers), historical days-sales-outstanding, and any pattern of disputes or credit notes that could delay collection. Advance rates typically run 70–90% of invoice value, with the balance released once the customer pays; the exact rate moves with how diversified and how promptly-paying the underlying debtor book has been.
Why EquiFin
- Independent advisory — we structure and negotiate, we do not lend ourselves.
- 60+ active lender relationships across PSU banks, private banks, NBFCs and private credit funds.
- One point of contact from structuring through to disbursement.
Frequently Asked Questions
What is invoice discounting?
Invoice discounting is a facility that advances a percentage of invoice value upfront while the business retains control of its own customer collections.
Is invoice discounting confidential?
It typically is — customers generally aren't aware a third party is financing the invoices, unlike disclosed factoring arrangements.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
Advance Against Invoices, Keep Control of Collections.
We structure a facility that stays invisible to your customers.
Discuss Invoice Discounting