Invoice Financing Advisory.
Invoice financing lets a business draw working capital against unpaid invoices, rather than waiting for customers to pay on their own schedule — useful wherever payment terms stretch out cash flow.
Unpaid Invoice Funding · Cash Flow Acceleration · Customer-Backed Facilities
Where This Applies
- Customer payment terms stretch out the business's own cash conversion cycle.
- Growth is limited by cash tied up in invoices rather than a lack of demand.
- A steady, invoiced customer base exists to finance against.
- The facility needs to fit the business's specific invoicing volume and frequency.
How We Approach It
We review invoicing volume, customer payment terms and debtor concentration, then structure a financing facility that advances against unpaid invoices without disrupting existing customer relationships.
What Lenders Actually Evaluate
Unlike a one-off discounted invoice, invoice financing is usually structured as an ongoing revolving facility drawn against the whole receivables book rather than a single bill. That changes what a lender looks at: overall invoicing volume and its trend, concentration limits across the debtor base (so no single customer's non-payment can sink the facility), and whether the arrangement is disclosed to customers or kept confidential. Facilities are typically reviewed and re-sized periodically against the current receivables ledger, which is why lenders also want visibility into your invoicing and collections systems, not just a snapshot of outstanding invoices on the day you apply.
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 financing?
Invoice financing lets a business draw working capital against unpaid invoices rather than waiting for customers to pay on their standard terms.
Is invoice financing the same as invoice discounting?
They're closely related — invoice discounting is one common structure within the broader category of invoice financing.
See what documents lenders typically ask for — Documents Required for a Corporate Loan →
60+ Active Lender Relationships · Independent Advisory, Not a Lender
Access Cash Tied Up in Unpaid Invoices.
We structure financing around your actual invoicing pattern.
Discuss Invoice Financing