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Spendesk's automated receipt matching and real-time budget updates eliminate manual data entry, provide approval audit trails, and assign costs to teams to keep finance teams accurate and in control.",{"_uid":140,"title":141,"component":132,"description":142},"8f0ddce4-730a-4362-8628-e9ff9134d414","Can Spendesk match receipts and invoices automatically?",{"type":93,"content":143},[144],{"type":96,"content":145},[146],{"text":147,"type":102},"Spendesk automatically matches receipts and invoices using OCR technology to extract line-item data, validate totals, and flag discrepancies. Spendesk's automated receipt matching stores validated documents with each invoice, creates an auditable record of approvals, and reduces month-end reconciliation by linking receipts to expense entries and vendor records.",{"_uid":149,"title":150,"component":132,"description":151},"643afdc7-16cf-4f1c-af93-ddbe632ef958","How do I pay invoices from Spendesk?",{"type":93,"content":152},[153],{"type":96,"content":154},[155],{"text":156,"type":102},"Spendesk lets finance teams pay invoices by exporting approved invoices as a payment file compatible with online banking portals or by using supported payment integrations. Spendesk's batch export, supplier payment logs, and approval traceability streamline settlements, reduce payment errors, and ensure audit-ready records for each vendor transaction.",{"_uid":158,"title":159,"component":132,"description":160},"c0ed6dc0-9bff-4cc1-95e9-b41cb2596653","Who can upload and approve invoices in Spendesk?",{"type":93,"content":161},[162],{"type":96,"content":163},[164],{"text":165,"type":102},"Spendesk allows any trusted team member to upload invoices and routes approvals to designated approvers via configurable workflows and permission settings. Spendesk logs who uploaded and approved each invoice, assigns costs to specific teams or cost centers, and provides visibility into approval status to maintain budget control and compliance across the organization.",{"_uid":167,"title":168,"component":132,"description":169},"3fe23525-1c7d-43cf-b7c8-c48cfffd0751","Does Spendesk integrate with accounting software or ERPs for invoice sync?",{"type":93,"content":170},[171],{"type":96,"content":172},[173],{"text":174,"type":102},"Spendesk integrates with major accounting systems and ERPs through native connectors and export file formats to sync invoices, payments, and coding information. Spendesk's integrations reduce manual data entry, map vendor and cost center fields for reconciliation, and keep financial ledgers up to date for faster month-end close and cleaner audit trails.",[176],{"cta":177,"_uid":178,"title":179,"eyebrow":188,"subtitle":191,"component":182,"textAlign":72,"sectionSettings":194,"breakLineOnMobile":28,"subtitleLeftBorder":28,"customTitleFontSize":72},[],"b91898a8-2cfe-47a3-93ff-a795b6f41e35",{"type":93,"content":180},[181],{"type":182,"attrs":183,"content":185},"heading",{"level":184},2,[186],{"text":187,"type":102},"Invoice Processing and Accounts Payable Tools | Spendesk — FAQ",{"type":93,"content":189},[190],{"type":96},{"type":93,"content":192},[193],{"type":96},[],"faqSection",[197],{"_uid":198,"hide":28,"theme":199,"anchorId":72,"component":200,"spacingTop":72,"hideOnDevices":201,"spacingBottom":72,"floatingImages":202,"variableOverrides":203},"bd1ebee8-326b-4e0d-9cea-9a5ce335bf6c","light-theme","sectionSettings",[],[],[],"invoice-processing","blog/topic/invoice-processing",-290,[],176456153,"acd307a9-fdbc-4c73-9a85-de86f9185d74","2022-11-02T15:24:47.785Z",[],[213,214,215],{"path":205,"name":25,"lang":36,"published":25},{"path":205,"name":25,"lang":38,"published":25},{"path":205,"name":25,"lang":40,"published":25},{"name":217,"created_at":218,"published_at":16,"updated_at":219,"id":220,"uuid":221,"content":222,"slug":224,"full_slug":225,"sort_by_date":25,"position":226,"tag_list":227,"is_startpage":28,"parent_id":208,"meta_data":25,"group_id":228,"first_published_at":229,"release_id":25,"lang":32,"path":25,"alternates":230,"default_full_slug":225,"translated_slugs":231,"_stopResolving":41},"Finance strategy","2022-10-19T17:57:50.961Z","2026-03-12T10:47:22.861Z",206171406,"4c34e454-8993-474f-a2d1-5c1f6a260e14",{"_uid":223,"name":217,"component":22},"11f616ce-9f54-42bb-967c-fdb960b62cef","finance-strategy","blog/topic/finance-strategy",-100,[],"5a788f5a-b853-4a56-959b-15a4ea69fd80","2022-11-02T15:24:54.143Z",[],[232,233,234],{"path":225,"name":25,"lang":36,"published":25},{"path":225,"name":25,"lang":38,"published":25},{"path":225,"name":25,"lang":40,"published":25},{"type":93,"content":236},[237,247,281,328,337,345,358,367,376,413,422,431,440,449,457,466,505,514,522,530,598,633,641,649,670,678,686,694,702,730,758,766,774,782,790,798,806,842,870,878,887,896,905,1006,1015,1023,1032,1055,1084,1106,1114,1124,1133,1160,1168,1176,1185,1193,1202,1210,1219,1227,1236,1244],{"type":96,"attrs":238,"content":239},{"textAlign":25,"key":98},[240],{"text":241,"type":102,"marks":242},"Revenue can grow while you're still chasing cash to cover payroll, suppliers, and tax, because the gap between issuing an invoice and collecting payment often stretches to 60 or 90 days. Invoice discounting lets you draw most of an invoice's value from a provider as soon as you raise it, instead of waiting weeks for the customer to pay. Overall, customers usually don't know the arrangement exists.",[243],{"type":244,"attrs":245},"textStyle",{"color":246},"#000000",{"type":96,"attrs":248,"content":250},{"textAlign":25,"key":249},"p-1",[251,256,276],{"text":252,"type":102,"marks":253},"For mid-market ",[254],{"type":244,"attrs":255},{"color":246},{"text":257,"type":102,"marks":258},"finance teams",[259,271,274],{"type":260,"attrs":261},"link",{"href":262,"uuid":263,"anchor":25,"target":264,"linktype":265,"story":266},"/blog/strategic-finance/","ff7947dd-b80e-4e76-832c-4ff72afe4cd0","_self","story",{"name":267,"id":268,"uuid":263,"slug":269,"url":270,"full_slug":270,"_stopResolving":41},"Strategic finance: the finance function as a true business partner",213425182,"strategic-finance","blog/strategic-finance",{"type":244,"attrs":272},{"color":273},"#1155CC",{"type":275},"underline",{"text":277,"type":102,"marks":278}," handling high volumes of receivables, it makes the billing-to-payment gap something you can plan around. A business that's profitable on paper doesn't have to run short on working capital just because customers take their time. This piece covers how it works, what it costs, and when it's the right fit.",[279],{"type":244,"attrs":280},{"color":246},{"type":96,"attrs":282,"content":284},{"textAlign":25,"key":283},"p-2",[285,295,300,309,314,323],{"text":286,"type":102,"marks":287},"PwC's Working Capital Study",[288,292,294],{"type":260,"attrs":289},{"href":290,"uuid":25,"anchor":25,"target":291,"linktype":81},"https://www.pwc.co.uk/services/value-creation/insights/working-capital-study.html","_blank",{"type":244,"attrs":293},{"color":273},{"type":275},{"text":296,"type":102,"marks":297}," (25/26) finds UK firms now have almost 50% more cash tied up in day-to-day operations than they did in 2015, the most dramatic deterioration of any major region. UK Finance members are now advancing over £20 billion through ",[298],{"type":244,"attrs":299},{"color":246},{"text":301,"type":102,"marks":302},"invoice finance",[303,306,308],{"type":260,"attrs":304},{"href":305,"uuid":25,"anchor":25,"target":291,"linktype":81},"https://www.ukfinance.org.uk/our-expertise/commercial-finance/invoice-finance-and-asset-based-lending",{"type":244,"attrs":307},{"color":273},{"type":275},{"text":310,"type":102,"marks":311}," and asset-based lending to around 35,000 businesses. The ",[312],{"type":244,"attrs":313},{"color":246},{"text":315,"type":102,"marks":316},"Bank Rate",[317,320,322],{"type":260,"attrs":318},{"href":319,"uuid":25,"anchor":25,"target":291,"linktype":81},"https://www.bankofengland.co.uk/monetary-policy/the-interest-rate-bank-rate",{"type":244,"attrs":321},{"color":273},{"type":275},{"text":324,"type":102,"marks":325}," now sits at 3.75%, down from a 5.25% peak, so invoice-based borrowing is cheaper than it was through much of 2023 and 2024.",[326],{"type":244,"attrs":327},{"color":246},{"type":96,"attrs":329,"content":331},{"textAlign":25,"key":330},"p-3",[332],{"text":333,"type":102,"marks":334},"This is where invoice discounting comes in.",[335],{"type":244,"attrs":336},{"color":246},{"type":182,"attrs":338,"content":339},{"level":184,"textAlign":25},[340],{"text":341,"type":102,"marks":342},"How a typical invoice discounting facility works",[343],{"type":244,"attrs":344},{"color":246},{"type":346,"attrs":347},"blok",{"id":348,"body":349},"5c80bdab-da24-44c5-90fa-86bbc4637f4f",[350],{"_uid":351,"type":72,"asset":352,"caption":72,"overlay":356,"component":357},"i-9197ef13-b7b4-42f4-bd0e-7cff6bee6ab7",{"id":353,"alt":72,"name":72,"focus":72,"title":72,"source":72,"filename":354,"copyright":72,"fieldtype":77,"meta_data":355,"is_external_url":28},168565554534868,"https://a.storyblok.com/f/146026/12609x4931/d07502f75b/a-team-of-employees-meeting.jpeg",{},[],"image",{"type":96,"attrs":359,"content":361},{"textAlign":25,"key":360},"p-4",[362],{"text":363,"type":102,"marks":364},"Invoice discounting advances a percentage of your outstanding invoice values, often within 24 hours of you submitting them to the provider. Your customers continue paying you directly, on the terms you'd normally agree. The provider's job is to release cash against each invoice upfront, then reconcile when your customer actually pays.",[365],{"type":244,"attrs":366},{"color":246},{"type":96,"attrs":368,"content":370},{"textAlign":25,"key":369},"p-5",[371],{"text":372,"type":102,"marks":373},"Setting up a facility starts with an application. You share your turnover, your typical payment terms, and details on your customers. The provider then assesses whether your customers are likely to pay, and whether your in-house process for chasing late payments is strong enough that the provider can stay hands-off. If both check out, you get an offer, and funding can follow quickly once the facility is live.",[374],{"type":244,"attrs":375},{"color":246},{"type":96,"attrs":377,"content":379},{"textAlign":25,"key":378},"p-6",[380,385,394,399,408],{"text":381,"type":102,"marks":382},"You deliver goods or services, issue the invoice on your own letterhead, and submit the details to the provider. Unlike factoring, your business manages its own ",[383],{"type":244,"attrs":384},{"color":246},{"text":386,"type":102,"marks":387},"debt collections",[388,391,393],{"type":260,"attrs":389},{"href":390,"uuid":25,"anchor":25,"target":291,"linktype":81},"https://www.icaew.com/-/media/corporate/files/technical/corporate-finance/guidelines/growth-through-asset-based-finance-guideline-65.ashx?la=en",{"type":244,"attrs":392},{"color":273},{"type":275},{"text":395,"type":102,"marks":396},", so customer relationships stay with your team. The provider then advances a percentage of the invoice's value. ",[397],{"type":244,"attrs":398},{"color":246},{"text":400,"type":102,"marks":401},"British Business Bank guidance",[402,405,407],{"type":260,"attrs":403},{"href":404,"uuid":25,"anchor":25,"target":291,"linktype":81},"https://www.british-business-bank.co.uk/business-guidance/guidance-articles/finance/invoice-finance",{"type":244,"attrs":406},{"color":273},{"type":275},{"text":409,"type":102,"marks":410}," sets out advance rates of up to 90%, with 80% a common starting point depending on the strength of your customers and the sector you operate in.",[411],{"type":244,"attrs":412},{"color":246},{"type":96,"attrs":414,"content":416},{"textAlign":25,"key":415},"p-7",[417],{"text":418,"type":102,"marks":419},"You continue chasing your customers for payment the way you normally would. The customer pays the invoice to your business, typically unaware that a provider is involved. When the customer settles in full, the provider deducts the agreed fees and releases the remaining balance to you.",[420],{"type":244,"attrs":421},{"color":246},{"type":182,"attrs":423,"content":425},{"level":424,"textAlign":25},3,[426],{"text":427,"type":102,"marks":428},"Facility structure and how it scales",[429],{"type":244,"attrs":430},{"color":246},{"type":96,"attrs":432,"content":434},{"textAlign":25,"key":433},"p-8",[435],{"text":436,"type":102,"marks":437},"An invoice discounting facility scales with your revenue, and it comes in two structural forms: whole-turnover or selective. As you issue more invoices, the cash you can draw against them grows too, because the limit is tied to the invoices you have outstanding. That's different from an overdraft, where every time you outgrow the limit, you have to renegotiate with the bank. For a finance team, the difference shows up in planning. Working capital expands automatically as the business grows, without requiring a quarterly conversation with your relationship manager.",[438],{"type":244,"attrs":439},{"color":246},{"type":96,"attrs":441,"content":443},{"textAlign":25,"key":442},"p-9",[444],{"text":445,"type":102,"marks":446},"Most mid-market facilities work on a whole-turnover basis, where every invoice you issue is assigned to the provider as part of the facility. Selective invoice discounting is the alternative. You pick which invoices to fund, case by case. Selective arrangements give you more control over costs but usually carry higher fees per invoice. Whole-turnover tends to suit businesses with steady cash needs; selective tends to suit businesses whose cash needs spike around specific contracts or seasons.",[447],{"type":244,"attrs":448},{"color":246},{"type":182,"attrs":450,"content":451},{"level":184,"textAlign":25},[452],{"text":453,"type":102,"marks":454},"What invoice discounting actually costs",[455],{"type":244,"attrs":456},{"color":246},{"type":96,"attrs":458,"content":460},{"textAlign":25,"key":459},"p-10",[461],{"text":462,"type":102,"marks":463},"Invoice discounting has two core charges: a service fee charged as a percentage of your annual turnover, and a discount charge that's interest on the cash you've drawn. Major UK providers don't publish their rate schedules, because pricing is quoted only after they've assessed your credit.",[464],{"type":244,"attrs":465},{"color":246},{"type":467,"content":468},"bullet_list",[469,488],{"type":470,"content":471},"list_item",[472],{"type":96,"attrs":473,"content":475},{"textAlign":25,"key":474},"p-11",[476,483],{"text":477,"type":102,"marks":478},"The service fee is charged as a percentage of your annual turnover",[479,481],{"type":244,"attrs":480},{"color":246},{"type":482},"bold",{"text":484,"type":102,"marks":485}," and covers the provider's administration costs. Because your team handles its own credit control under invoice discounting, fees are generally lower than for factoring, often a fraction of one percent for finance-only facilities that don't include sales-ledger management.",[486],{"type":244,"attrs":487},{"color":246},{"type":470,"content":489},[490],{"type":96,"attrs":491,"content":493},{"textAlign":25,"key":492},"p-12",[494,500],{"text":495,"type":102,"marks":496},"The discount charge is interest on the cash the provider has advanced you.",[497,499],{"type":244,"attrs":498},{"color":246},{"type":482},{"text":501,"type":102,"marks":502}," It's calculated daily on the amount you've drawn, and quoted as a margin above the Bank of England base rate.",[503],{"type":244,"attrs":504},{"color":246},{"type":96,"attrs":506,"content":508},{"textAlign":25,"key":507},"p-13",[509],{"text":510,"type":102,"marks":511},"Beyond these two charges, you'll want to understand arrangement fees (for setting the facility up), transfer fees (for each invoice submitted), field audit costs (periodic inspections of your invoice ledger by the provider), and early termination penalties. VAT treatment varies by charge type, so check with your accountant before you model the total. If you're comparing a facility against an overdraft or revolving credit line, work out the total 12-month cost instead of comparing headline rates. The per-invoice fees in invoice discounting can quietly add up.",[512],{"type":244,"attrs":513},{"color":246},{"type":182,"attrs":515,"content":516},{"level":184,"textAlign":25},[517],{"text":518,"type":102,"marks":519},"Invoice discounting vs invoice factoring",[520],{"type":244,"attrs":521},{"color":246},{"type":96,"attrs":523,"content":524},{"textAlign":25,"key":98},[525],{"text":526,"type":102,"marks":527},"Who manages debt collection, and whether your customers know about the arrangement, usually determines which option fits best.",[528],{"type":244,"attrs":529},{"color":246},{"type":346,"attrs":531},{"id":532,"body":533},"2bbc2b3c-e613-43ed-8758-4b7a83462d89",[534],{"_uid":535,"table":536,"component":597,"noLineBreak":28,"highlightLastRow":28},"5795f5ab-9994-479b-b11b-0c46434f5aa9",{"tbody":537,"thead":586,"fieldtype":596},[538,550,562,574],{"_uid":539,"body":540},"f79045a6-f30c-4001-86b6-c5640a690975",[541,544,547],{"_uid":542,"value":543},"2b85dfde-2a58-4fb0-9152-f08f1ea5087e","Credit control",{"_uid":545,"value":546},"78ccaf7e-6e90-4ead-99a2-833ad974a9a7","Provider manages collections",{"_uid":548,"value":549},"951467fd-c90c-4740-b1b5-c174a84dc683","You retain in-house",{"_uid":551,"body":552},"8f5de49a-e146-46c3-8031-c59999f7650f",[553,556,559],{"_uid":554,"value":555},"17aee945-96ba-465e-8682-308b2c539aba","Confidentiality",{"_uid":557,"value":558},"6ef06e9a-6603-4fe9-b47c-54d070926b8c","Disclosed to customers",{"_uid":560,"value":561},"a2814571-8146-467b-9027-6aaa153acc7b","Often confidential",{"_uid":563,"body":564},"b5e284eb-4e5d-4042-bfb0-bca293fa0b5c",[565,568,571],{"_uid":566,"value":567},"de1d6184-e860-4983-a795-534e1564f8d0","Service structure",{"_uid":569,"value":570},"32ec3434-b39f-4d43-9881-afacc7618026","Funding plus collections support",{"_uid":572,"value":573},"4571b8d6-1477-4743-8327-7d4b289ee5f5","Finance-only product",{"_uid":575,"body":576},"0329b6b9-942e-4d37-9d96-5634ce3c4099",[577,580,583],{"_uid":578,"value":579},"4ddd1e68-c5fd-4351-96e9-d095ce73e96f","Best suited for",{"_uid":581,"value":582},"83759a79-abf3-4161-aa2b-f54479b2ed40","Businesses without dedicated credit control",{"_uid":584,"value":585},"03dccea4-ea59-4db5-9537-551338bb7cbe","Established businesses with in-house capability",[587,590,593],{"_uid":588,"value":589},"78f9649c-73b5-4f59-9120-19bb571a2ad9","Dimension",{"_uid":591,"value":592},"8c9c1f0d-0d2f-4c8c-a5ee-ce2d7c0a30d4","Invoice factoring",{"_uid":594,"value":595},"526fcaf0-6267-49ab-ad93-fd69ac5fad09","Invoice discounting (confidential)","table","simpleTable",{"type":96,"attrs":599,"content":600},{"textAlign":25,"key":249},[601,606,615,620,628],{"text":602,"type":102,"marks":603},"Sources: ",[604],{"type":244,"attrs":605},{"color":246},{"text":607,"type":102,"marks":608},"ICAEW business finance guidance",[609,612,614],{"type":260,"attrs":610},{"href":611,"uuid":25,"anchor":25,"target":291,"linktype":81},"https://www.icaew.com/technical/corporate-finance/business-finance-guide/debt-finance/asset-based-finance",{"type":244,"attrs":613},{"color":273},{"type":275},{"text":616,"type":102,"marks":617},"; ",[618],{"type":244,"attrs":619},{"color":246},{"text":621,"type":102,"marks":622},"British Business Bank",[623,625,627],{"type":260,"attrs":624},{"href":404,"uuid":25,"anchor":25,"target":291,"linktype":81},{"type":244,"attrs":626},{"color":273},{"type":275},{"text":629,"type":102,"marks":630},".",[631],{"type":244,"attrs":632},{"color":246},{"type":96,"attrs":634,"content":635},{"textAlign":25,"key":283},[636],{"text":637,"type":102,"marks":638},"Three factors typically make invoice discounting the stronger fit for mid-market teams. First, if you already have a credit control function in-house, the main thing factoring offers (outsourced collections) is redundant. You'd be paying a provider to do a job your team already does.",[639],{"type":244,"attrs":640},{"color":246},{"type":96,"attrs":642,"content":643},{"textAlign":25,"key":330},[644],{"text":645,"type":102,"marks":646},"Second, confidentiality protects your customer relationships. A third party focused on collecting cash tends to handle customer conversations differently than your team would, and the difference can damage long-term B2B relationships.",[647],{"type":244,"attrs":648},{"color":246},{"type":96,"attrs":650,"content":651},{"textAlign":25,"key":360},[652,657,665],{"text":653,"type":102,"marks":654},"Third, invoice discounting is designed around businesses with mature credit control, which is why ",[655],{"type":244,"attrs":656},{"color":246},{"text":658,"type":102,"marks":659},"ICAEW's business finance guidance",[660,662,664],{"type":260,"attrs":661},{"href":611,"uuid":25,"anchor":25,"target":291,"linktype":81},{"type":244,"attrs":663},{"color":273},{"type":275},{"text":666,"type":102,"marks":667}," treats it as the natural fit for established mid-market firms rather than earlier-stage companies.",[668],{"type":244,"attrs":669},{"color":246},{"type":96,"attrs":671,"content":672},{"textAlign":25,"key":369},[673],{"text":674,"type":102,"marks":675},"The difference matters in cash terms. On £10 million of annual invoiced turnover, a 0.3% service fee costs £30,000 per year; a 0.7% service fee costs £70,000. That £40,000 gap should drive your choice between invoice discounting and factoring.",[676],{"type":244,"attrs":677},{"color":246},{"type":182,"attrs":679,"content":680},{"level":184,"textAlign":25},[681],{"text":682,"type":102,"marks":683},"When invoice discounting makes sense",[684],{"type":244,"attrs":685},{"color":246},{"type":96,"attrs":687,"content":688},{"textAlign":25,"key":378},[689],{"text":690,"type":102,"marks":691},"Invoice discounting earns its place when late customer payments create an ongoing cash gap, not just the occasional short-term shortfall.",[692],{"type":244,"attrs":693},{"color":246},{"type":182,"attrs":695,"content":696},{"level":424,"textAlign":25},[697],{"text":698,"type":102,"marks":699},"Growth outpacing working capital",[700],{"type":244,"attrs":701},{"color":246},{"type":96,"attrs":703,"content":704},{"textAlign":25,"key":415},[705,710,725],{"text":706,"type":102,"marks":707},"When a business wins a large contract or sustains rapid growth, the cash you're owed (sitting in unpaid invoices) grows faster than the cash in your account. Fixed facilities like overdrafts have to be renegotiated with the bank every time you hit the limit. Those renegotiations eat into ",[708],{"type":244,"attrs":709},{"color":246},{"text":711,"type":102,"marks":712},"finance team efficiency",[713,722,724],{"type":260,"attrs":714},{"href":715,"uuid":716,"anchor":25,"target":264,"linktype":265,"story":717},"/blog/finance-team-efficiency","064a715a-e2cf-4673-b9eb-da91b8da14f2",{"name":718,"id":719,"uuid":716,"slug":720,"url":721,"full_slug":721,"_stopResolving":41},"Increase your finance team’s efficiency in 6 steps",296008345,"finance-team-efficiency","blog/finance-team-efficiency",{"type":244,"attrs":723},{"color":273},{"type":275},{"text":726,"type":102,"marks":727}," that should go to higher-value work.",[728],{"type":244,"attrs":729},{"color":246},{"type":96,"attrs":731,"content":732},{"textAlign":25,"key":433},[733,738,753],{"text":734,"type":102,"marks":735},"Invoice discounting behaves differently. The amount you can draw grows automatically with the invoices you issue, and it often provides more than a traditional overdraft would lend. Pairing it with ",[736],{"type":244,"attrs":737},{"color":246},{"text":739,"type":102,"marks":740},"financial planning",[741,750,752],{"type":260,"attrs":742},{"href":743,"uuid":744,"anchor":25,"target":264,"linktype":265,"story":745},"/blog/business-financial-planning","741b5e13-252a-4d58-9792-92040041ecb8",{"name":746,"id":747,"uuid":744,"slug":748,"url":749,"full_slug":749,"_stopResolving":41},"9 key benefits of business financial planning",208800767,"business-financial-planning","blog/business-financial-planning",{"type":244,"attrs":751},{"color":273},{"type":275},{"text":754,"type":102,"marks":755}," that covers committed payables gives you a clearer view of whether the growth is genuinely sustainable.",[756],{"type":244,"attrs":757},{"color":246},{"type":182,"attrs":759,"content":760},{"level":424,"textAlign":25},[761],{"text":762,"type":102,"marks":763},"Sectors with long payment terms",[764],{"type":244,"attrs":765},{"color":246},{"type":96,"attrs":767,"content":768},{"textAlign":25,"key":442},[769],{"text":770,"type":102,"marks":771},"If 60 to 90 day payment terms are standard in your sector (manufacturing, wholesale, business services, or construction), the gap between invoicing and getting paid is a permanent fixture, not an occasional stretch. These are the sectors that have used receivables finance for decades. A company collecting £2 million per quarter on 90-day terms has roughly £2 million permanently sitting in invoices waiting to be paid.",[772],{"type":244,"attrs":773},{"color":246},{"type":96,"attrs":775,"content":776},{"textAlign":25,"key":459},[777],{"text":778,"type":102,"marks":779},"Your sales team sees a healthy pipeline, but your finance team sees cash that won't land for three months. Invoice discounting converts a portion of that pipeline into accessible working capital.",[780],{"type":244,"attrs":781},{"color":246},{"type":182,"attrs":783,"content":784},{"level":424,"textAlign":25},[785],{"text":786,"type":102,"marks":787},"Covenant pressure or a bank pulling back",[788],{"type":244,"attrs":789},{"color":246},{"type":96,"attrs":791,"content":792},{"textAlign":25,"key":474},[793],{"text":794,"type":102,"marks":795},"When your bank has cut your facility, or your existing loan covenants are close to breach, invoice discounting is an alternative that's secured against your unpaid invoices rather than your profits. A company with a shrinking profit line but a strong, diversified customer base still has invoices to lend against, even when the bank's appetite has cooled.",[796],{"type":244,"attrs":797},{"color":246},{"type":182,"attrs":799,"content":800},{"level":424,"textAlign":25},[801],{"text":802,"type":102,"marks":803},"When alternatives serve you better",[804],{"type":244,"attrs":805},{"color":246},{"type":96,"attrs":807,"content":808},{"textAlign":25,"key":492},[809,814,823,828,837],{"text":810,"type":102,"marks":811},"Not every cash gap needs invoice discounting, and it's worth asking whether a simpler option would do the job. An ",[812],{"type":244,"attrs":813},{"color":246},{"text":815,"type":102,"marks":816},"overdraft facility",[817,820,822],{"type":260,"attrs":818},{"href":819,"uuid":25,"anchor":25,"target":291,"linktype":81},"https://www.icaew.com/technical/corporate-finance/business-finance-guide/debt-finance/overdraft",{"type":244,"attrs":821},{"color":273},{"type":275},{"text":824,"type":102,"marks":825}," might be enough if your cash need is short-term and your bank already has room to extend. A ",[826],{"type":244,"attrs":827},{"color":246},{"text":829,"type":102,"marks":830},"revolving credit facility",[831,834,836],{"type":260,"attrs":832},{"href":833,"uuid":25,"anchor":25,"target":291,"linktype":81},"https://www.british-business-bank.co.uk/business-guidance/guidance-articles/finance/what-is-a-revolving-credit-facility",{"type":244,"attrs":835},{"color":273},{"type":275},{"text":838,"type":102,"marks":839}," gives more flexibility for general business use, provided your existing loan covenants have room for it. Supply chain finance works at the other end of the cycle. A buyer sets it up to let their own suppliers get paid early, whereas invoice discounting is a business accelerating payment on its own sales.",[840],{"type":244,"attrs":841},{"color":246},{"type":96,"attrs":843,"content":844},{"textAlign":25,"key":507},[845,850,865],{"text":846,"type":102,"marks":847},"The right choice depends on whether you need to speed up cash coming in or manage cash going out. Many mid-market finance teams need both, and invoice discounting works best alongside the tools that give you ",[848],{"type":244,"attrs":849},{"color":246},{"text":851,"type":102,"marks":852},"spend visibility",[853,862,864],{"type":260,"attrs":854},{"href":855,"uuid":856,"anchor":25,"target":264,"linktype":265,"story":857},"/blog/spend-visibility","4ba051bf-aba3-45c0-9fe4-c299090ec278",{"name":858,"id":859,"uuid":856,"slug":860,"url":861,"full_slug":861,"_stopResolving":41},"What is spend visibility? (And how to increase it)",213425681,"spend-visibility","blog/spend-visibility",{"type":244,"attrs":863},{"color":273},{"type":275},{"text":866,"type":102,"marks":867}," on the payables side.",[868],{"type":244,"attrs":869},{"color":246},{"type":182,"attrs":871,"content":872},{"level":184,"textAlign":25},[873],{"text":874,"type":102,"marks":875},"Risks worth modelling before you commit",[876],{"type":244,"attrs":877},{"color":246},{"type":96,"attrs":879,"content":881},{"textAlign":25,"key":880},"p-14",[882],{"text":883,"type":102,"marks":884},"Five contract details are worth modelling before you sign an invoice discounting facility: concentration limits, recourse liability, existing lender covenants, regulatory position, and lock-in costs.",[885],{"type":244,"attrs":886},{"color":246},{"type":96,"attrs":888,"content":890},{"textAlign":25,"key":889},"p-15",[891],{"text":892,"type":102,"marks":893},"Take concentration limits. Picture a mid-sized distributor where one big customer accounts for 40% of its unpaid invoices. The finance team signs a facility expecting to draw around 85% of what's outstanding across the ledger. The contract then reveals a concentration limit that caps advances against that single customer at 25%. The facility is live, the cash model is wrong, and the funding the team built into its forecast isn't there.",[894],{"type":244,"attrs":895},{"color":246},{"type":96,"attrs":897,"content":899},{"textAlign":25,"key":898},"p-16",[900],{"text":901,"type":102,"marks":902},"Mismatches between expected and contracted terms are where invoice discounting deals come unstuck. None of the items below should put you off the product, but each deserves modelling before you sign.",[903],{"type":244,"attrs":904},{"color":246},{"type":467,"content":906},[907,924,941,958,989],{"type":470,"content":908},[909],{"type":96,"attrs":910,"content":912},{"textAlign":25,"key":911},"p-17",[913,919],{"text":914,"type":102,"marks":915},"Recourse liability.",[916,918],{"type":244,"attrs":917},{"color":246},{"type":482},{"text":920,"type":102,"marks":921}," Recourse is far more common in invoice discounting. If your customer doesn't pay, your business has to repay the advance from its own cash. Before you start using the facility, it's worth listing your customers by credit risk and comparing that to how much you'd be drawing against each one's invoices.",[922],{"type":244,"attrs":923},{"color":246},{"type":470,"content":925},[926],{"type":96,"attrs":927,"content":929},{"textAlign":25,"key":928},"p-18",[930,936],{"text":931,"type":102,"marks":932},"Concentration limits.",[933,935],{"type":244,"attrs":934},{"color":246},{"type":482},{"text":937,"type":102,"marks":938}," Providers cap how much of the facility you can draw against any single customer. If one customer is a large share of your ledger, the cash available against those invoices may be limited, which can leave gaps between what you modelled at the start and what you can actually draw.",[939],{"type":244,"attrs":940},{"color":246},{"type":470,"content":942},[943],{"type":96,"attrs":944,"content":946},{"textAlign":25,"key":945},"p-19",[947,953],{"text":948,"type":102,"marks":949},"Existing lender covenants.",[950,952],{"type":244,"attrs":951},{"color":246},{"type":482},{"text":954,"type":102,"marks":955}," An invoice discounting facility gives the provider a legal claim over your unpaid invoices. Many existing bank loans include a clause called a negative pledge, which is a condition that you won't pledge your assets to another lender without the bank's consent. Using invoice discounting without that consent can breach the covenant. The more of your asset base you've pledged, the less is left to back bank loans, supplier credit, and wages.",[956],{"type":244,"attrs":957},{"color":246},{"type":470,"content":959},[960],{"type":96,"attrs":961,"content":963},{"textAlign":25,"key":962},"p-20",[964,970,975,984],{"text":965,"type":102,"marks":966},"Regulatory position.",[967,969],{"type":244,"attrs":968},{"color":246},{"type":482},{"text":971,"type":102,"marks":972}," Invoice discounting sits largely outside FCA regulation because it's a business-to-business product. That means FCA complaint procedures and redress schemes don't cover disputes with your provider. UK Finance's ",[973],{"type":244,"attrs":974},{"color":246},{"text":976,"type":102,"marks":977},"IF/ABL Standards Framework",[978,981,983],{"type":260,"attrs":979},{"href":980,"uuid":25,"anchor":25,"target":291,"linktype":81},"https://www.ukfinance.org.uk/invoice-finance-and-asset-based-lending-standards-framework",{"type":244,"attrs":982},{"color":273},{"type":275},{"text":985,"type":102,"marks":986}," provides voluntary industry self-regulation, so it's worth checking whether your prospective provider is a member before you sign.",[987],{"type":244,"attrs":988},{"color":246},{"type":470,"content":990},[991],{"type":96,"attrs":992,"content":994},{"textAlign":25,"key":993},"p-21",[995,1001],{"text":996,"type":102,"marks":997},"Lock-in and exit costs.",[998,1000],{"type":244,"attrs":999},{"color":246},{"type":482},{"text":1002,"type":102,"marks":1003}," Agreements often include minimum contract periods, notice requirements, and exit fees. These matter as much as the entry terms, because they determine what leaving the facility will cost if it isn't working out.",[1004],{"type":244,"attrs":1005},{"color":246},{"type":96,"attrs":1007,"content":1009},{"textAlign":25,"key":1008},"p-22",[1010],{"text":1011,"type":102,"marks":1012},"Rushing due diligence to close a short-term cash gap is a common mistake, but the complexity is worth working through when the fit is right. A facility entered hastily can cost more to unwind than the cash it freed up, so approach this decision carefully.",[1013],{"type":244,"attrs":1014},{"color":246},{"type":182,"attrs":1016,"content":1017},{"level":184,"textAlign":25},[1018],{"text":1019,"type":102,"marks":1020},"How invoice discounting sits on your balance sheet",[1021],{"type":244,"attrs":1022},{"color":246},{"type":96,"attrs":1024,"content":1026},{"textAlign":25,"key":1025},"p-23",[1027],{"text":1028,"type":102,"marks":1029},"Invoice discounting appears on your balance sheet in one of two ways, and which way you get depends on whether your business retains the credit risk on the invoices you've funded. This is the section your auditors will care most about, and getting it wrong early creates problems that compound at year-end.",[1030],{"type":244,"attrs":1031},{"color":246},{"type":96,"attrs":1033,"content":1035},{"textAlign":25,"key":1034},"p-24",[1036,1041,1050],{"text":1037,"type":102,"marks":1038},"Treatment turns on whether the derecognition criteria under FRS 102 or IFRS 9 are met. Note that ",[1039],{"type":244,"attrs":1040},{"color":246},{"text":1042,"type":102,"marks":1043},"FRS 102 amendments",[1044,1047,1049],{"type":260,"attrs":1045},{"href":1046,"uuid":25,"anchor":25,"target":291,"linktype":81},"https://www.icaew.com/technical/corporate-reporting/uk-gaap/frs-102-the-financial-reporting-standard",{"type":244,"attrs":1048},{"color":273},{"type":275},{"text":1051,"type":102,"marks":1052},", effective for periods beginning on or after 1 January 2026 (with early adoption permitted), may change certain paragraph references cited in current guidance.",[1053],{"type":244,"attrs":1054},{"color":246},{"type":96,"attrs":1056,"content":1058},{"textAlign":25,"key":1057},"p-25",[1059,1064,1079],{"text":1060,"type":102,"marks":1061},"Under the standard recourse structure, your business retains the credit risk. Because substantially all the risks and rewards of the invoices haven't transferred to the provider, the trade receivables stay on your balance sheet at gross invoice value. The advance from the provider is recognised as a separate financial liability. The two sit side by side on your balance sheet even though they relate to the same invoices, and you can't net them against each other. Getting this wrong attracts regulatory scrutiny, and it's an error your team can avoid during the ",[1062],{"type":244,"attrs":1063},{"color":246},{"text":1065,"type":102,"marks":1066},"month-end close",[1067,1076,1078],{"type":260,"attrs":1068},{"href":1069,"uuid":1070,"anchor":25,"target":264,"linktype":265,"story":1071},"/blog/month-end-close-process","f778feef-eceb-47d1-8cd9-d3540951d72d",{"name":1072,"id":1073,"uuid":1070,"slug":1074,"url":1075,"full_slug":1075,"_stopResolving":41},"Month-end close process: how to make accounting more efficient",208803061,"month-end-close-process","blog/month-end-close-process",{"type":244,"attrs":1077},{"color":273},{"type":275},{"text":1080,"type":102,"marks":1081}," by classifying the facility correctly from day one.",[1082],{"type":244,"attrs":1083},{"color":246},{"type":96,"attrs":1085,"content":1087},{"textAlign":25,"key":1086},"p-26",[1088,1093,1102],{"text":1089,"type":102,"marks":1090},"For non-recourse arrangements, where the provider assumes credit risk, the receivables may be derecognised, with any difference between carrying amount and proceeds recognised as a gain or loss. 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Invoice discounting gives mid-market finance teams a facility that scales with revenue, costs less than factoring when collections stay in-house, and preserves customer relationships through confidentiality. It also demands due diligence on recourse liability, covenant implications, concentration limits, and balance sheet treatment before you sign.",[1131],{"type":244,"attrs":1132},{"color":246},{"type":96,"attrs":1134,"content":1136},{"textAlign":25,"key":1135},"p-28",[1137,1142,1155],{"text":1138,"type":102,"marks":1139},"Accelerating receivables is only half the working capital picture. The other half is visibility into what's going out. Spendesk is an all-in-one spend management platform that brings company cards, expense management, accounts payable, procurement, and budgeting into one place. 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