MarketFinance Invoice Finance

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How invoice financing works

1
The order
Create an invoice for your customer, showing how much is owed to your business and when payment is due.
2
Cash advance
Send a copy of the invoice to a lender to release up to 100% of its value as a cash sum.
3
Repayment
When it is due, the lender receives the payment from the customer. The lender then sends your business any remaining amount on the invoice that wasn't originally financed, after deducting the prearranged fees.

This comparison service is provided by Touch Financial. Touch Financial is a finance broker, not a lender. Not all products offered by Touch Financial are regulated by the Financial Conduct Authority. They compare invoice financing services from a range of different lenders, aiming to find the one that best suits the needs of their business customers. Touch Financial consultants look at the profile of each business, including cash flow, accountancy needs, and any other specific requirements, to match them with the most appropriate invoice finance provider and product. Touch Financial is authorised and regulated by the Financial Conduct Authority (FRN:727220).

Last updated on 12 May 2022.

MarketFinance Invoice Financing FAQs

Who is MarketFinance?

MarketFinance, previously known as MarketInvoice, is a business finance company that launched in 2011. They specialise flexible invoice finance solutions that customers can apply for on a ‘pay-as-you-go’ or subscription basis.

What is MarketFinance invoice financing?

MarketFinance invoice financing is a financial product aimed at businesses in need of a cash injection when their existing levels of cash flow are insufficient to meet their needs. The cash injection could be used to invest in equipment, staff or infrastructure. You borrow against your invoices and a lender offers a percentage of their value for you to spend.

Why do businesses use invoice financing?

The invoice financing from MarketFinance and other providers helps businesses finance a new growth phase, especially when they are finding their cash flow limited by commonplace issues such as late payment.

Is invoice financing a form of debt?

No, conventional business loans are new debts, but the invoice financing MarketFinance and other lenders provide offers you money to borrow, based on the amount you actually earn through invoices.

Is invoice financing a solution to late payment?

Yes, invoice financing from MarketFinance and other providers can unlock funds for your business by way of a quick cash injection, even if invoices remain unpaid or outstanding.

Does invoice financing include a fee of some kind?

Yes, providers such as MarketFinance are likely to charge some kind of lending fee, subtracted from the sum of money you wish to borrow. However, the fee is usually minimal, little more than a small percentage of what you wish to borrow.

Is it more difficult for small businesses to acquire invoice financing?

Small businesses may struggle to acquire cash flow via invoice financing, but only if lenders such as MarketFinance set a range of criteria they can’t meet. For example, your business might have insufficient turnover, or perhaps will not have been operating for long enough to mitigate potential risk for the provider.

If invoices go unpaid, who is liable?

You will not necessarily be liable if invoices go unpaid, but this depends on whether you signed a non-recourse agreement with your provider. A non-recourse agreement ensures that the provider absorbs all risk and the costs of failed invoice payments.

Can I still be made liable for failed invoice payment?

If you sign a recourse agreement with your lender, you absorb the risk and are responsible for repaying the value of the invoices you borrow. This might mean your provider charges a lower fee, as they will have less overall risk.

Can invoice financing be carried out discreetly?

Yes, a number of providers such as MarketFinance offer invoice discounting to allow for greater discretion while you leverage your sales ledger. This means being able to take responsibility for invoices rather than involving a lender or factoring company, so your clients are not made aware of your activities.

Where can I compare invoice financing products?

Our partner, Touch Financial, is an ideal platform for comparing the invoice financing provided by MarketFinance with that offered by other providers. Check the steps at the top of this page to get started and a consultant will get in touch to help you find the most suitable provider to leverage the value of your invoices.

Services offered by this provider may change over time. Always check Ts&Cs.

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