How we work | RBS Invoice Finance

How we work

Our business model is designed to make invoice financing simple


Security may be required. Product fees may apply.

Approve – Fund – Collect

We like to keep it simple. Our expert system could help solve your business problems in a way that's easy to understand.


Thinking about entering into business with someone new? We'll rigorously check their ability to pay fully and on time by analysing market information and giving each customer a credit limit.

With access to different databases, we can cross-reference new customer referrals and make a properly informed decision about their credit worthiness. And can apply for new customer credit limits 24/7 using FacFlow.



If you need improved cash flow or immediate working capital, we could provide you with 85 - 90% of monies from unpaid invoices within 24 hours. When your customer settles their bill, you repay our advance and keep the remainder – minus our fee and funding costs for the days advanced.

This facility is linked to either LIBOR or Base, so you only pay costs on funds actually drawn. Because we're part of the Royal Bank of Scotland group, all of your working capital management needs can be catered for by the same provider. If everything is going well, the facilities can grow in line with your sales.



Getting paid quicker reduces your working capital needs. Our large team of credit controllers – many of whom are fluent in foreign languages – work hard to make sure your customers' invoices are paid on time.

Access your money faster than ever and in the event of non-payment, we provide a full legal service to help you recover lost monies.


Any more questions?
Contact us
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