MarketFinance Invoice Finance

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.