Invoice finance

Unlock Cash Tied Up in Invoices & Improve Your Business Cash Flow

What is Invoice Finance?

Invoice finance is a funding solution that allows businesses to unlock cash tied up in unpaid invoices. Instead of waiting 30, 60, or even 90+ days for customers to pay, you can receive up to 90% of the invoice value upfront, providing immediate working capital to reinvest in your business. At Ocean Capital Exchange, we help businesses improve cash flow by advancing funds against outstanding invoices, giving you fast access to the money you’re owed.

How Invoice Finance Works

Issue an Invoice

You issue an invoice to your customer for goods or services.

Receive an Advance

A lender advances up to 90% of the invoice value within 24 hours.

Customer Payment

Your customer pays the invoice within their agreed terms (30-90 days).

Final Settlement

You receive the remaining balance, minus a small financing fee.

This means you no longer have to wait for payment before reinvesting in growth, covering expenses, or taking on new orders.

Who Benefits from Invoice Finance?

Invoice finance is ideal for businesses that:

Types of Invoice Finance

Invoice Factoring

The lender provides funding and manages the collection process.
Useful for businesses that want to outsource credit control.
Customers may be aware that invoice finance is being used.

Invoice Discounting

You receive funding, but retain control over credit collection.
More discreet—your customers won’t know you’re using finance.
Ideal for businesses with an established credit control process.

Typical Use Cases

A Recruitment Agency Managing Payroll

A staffing agency places contractors but has to pay wages weekly, while clients settle invoices after 60 days. Invoice finance ensures the agency gets cash upfront to cover payroll without delays.

A Manufacturing Business Paying Suppliers

A manufacturer needs to buy raw materials but has outstanding invoices that won’t be paid for 45 days. Instead of waiting, they use invoice finance to release funds immediately and keep production running smoothly.

A Transport Company Covering Operating Costs

A logistics firm completes deliveries and invoices customers on 30-day terms. With fuel and wages to pay weekly, invoice finance bridges the gap and prevents cash flow disruptions.

Cost of Invoice Finance – Does It Pay Off?

- Advance percentage (typically 80–90% of the invoice).
- Service fees (0.5%–3% of the invoice value).
- Interest on the borrowed amount (typically 1-3% above BoE base rate).

Why It’s Worth It

Improves cash flow

Supports growth

Reduces reliance on overdrafts & loans

Minimises late payment risks

Allows for supplier discounts

How Invoice Finance Works with Our FX Services

For businesses trading internationally, invoice finance and FX work together to ensure seamless global transactions:

You issue an invoice in a foreign currency.

The lender advances funds in GBP (or another preferred currency).

We hedge the repayments with a forward contract, guaranteeing the rate at which the facility will be repaid.

Your customer pays in their local currency, and we handle the conversion.

You receive the final balance after repayment.

By integrating FX and invoice finance, Ocean Capital Exchange ensures you

Get Started Today

Need to unlock cash from your invoices? Whether you trade locally or internationally, Ocean Capital Exchange ensures you have the funding and FX support to grow your business confidently.

Regulatory Information

Ocean Capital Exchange Ltd is a company registered in England and Wales (registered no. 10659900). Registered office: 8 Twisleton Court Priory Hill, Dartford DA1 2EN. Ocean Capital Exchange Foreign Exchange and Payment services are provided by 4 partners. Ocean Capital Exchange Ltd’s Payment and Foreign Currency Exchange services are provided by Ebury Partners UK Limited. Ebury Partners UK Limited is authorised and regulated by the Financial Conduct Authority as an Electronic Money Institution. Reference Number: 900797. Ebury Partners UK Limited is registered with the information Commissioner’s Office under the UK Data protection Act (registered no. Z209673X). Ocean Capital Exchange Ltd is a Programme Manager of Ebury Partners UK ltd – registered in England and Wales, registration number 7088713 Registered office: 3rd floor, 100 Victoria Street, Cardinal Place, London, SW1E 5JL. Payment services (Non MIFID related products, non-e-commerce accounts, non-lending products, non-trade finance products) for Ocean capital exchange are provided by The Currency Cloud Limited (https://www.currencycloud.com/legal/terms/). Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). For clients based in the European Economic Area, payment services for Ocean Capital Exchange Ltd are provided by CurrencyCloud B.V.. Registered in the Netherlands No. 72186178. Registered Office: Nieuwezijds Voorburgwal 296 – 298, Mindspace Nieuwezijds Office 001 Amsterdam. CurrencyCloud B.V. is authorised by the DNB under the Wet op het financieel toezicht to carry out the business of an electronic-money institution (Relation Number: R142701). For clients based in the United States, payment services for Ocean Capital Exchange Ltd are provided by The Currency Cloud Inc. which operates in partnership with Community Federal Savings Bank (CFSB) to facilitate payments in all 50 states in the US. CFSB is registered with the Federal Deposit Insurance Corporation (FDIC Certificate# 57129). The Currency Cloud Inc is registered with FinCEN and authorised in 39 states to transmit money (MSB Registration Number: 31000206794359). Registered Office: 104 5th Avenue, 20th Floor, New York , NY 10011. For clients based in the United Kingdom and rest of the world, payment services (Non MIFID related products) for Ocean Capital Exchange Ltd are provided by The Currency Cloud Limited. Registered in England and Wales No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199). FX and payments provided by GC Partners. Global Currency Exchange Network Limited T/A GC Partners is authorised by the FCA under the Payment Services Regulations, 2017. Registration number 504346. Global Currency Exchange Network Limited T/A GC Partners is registered with HMRC under the Money Laundering Regulations, 2017. Registration number 12137189. Payment services for Ocean Capital Exchange are provided by Equals Connect Limited, a company incorporated in England & Wales Registration No : 07131446. Equals Connect Limited is licensed and regulated by HMRC as a Money Service Business (MSB) Licence No : 12594438. Equals Connect Limited is authorised by the Financial Conduct Authority as an Authorised Payment Institution Firm Reference Number : 671508.