Invoice finance | Marketing agencies
Invoice finance for marketing agencies with retainer and milestone cash flow
Explore invoice finance for agencies handling retainers, milestones and acceptance-based billing, with practical guidance on eligible invoices, exclusions and credit risk.
Definition
Invoice finance for marketing agencies
Marketing agencies often have a mix of retainers, project milestones, change requests and final sign-off before they can bill. That can create a cash flow gap even where the work is commercially healthy, because the business may have delivered time and expertise long before the client is due to pay. Ocean Capital Exchange is a commercial finance broker, not a lender, so the role is to help you understand how invoice finance may work in practice and where the limits are. The key point is that funding is normally linked to eligible unpaid B2B invoices, not to every piece of work in progress, every verbal agreement or every planned project phase. For agencies, the detail matters: who the debtor is, whether the invoice is valid, whether the client has accepted the work, whether any dispute exists, and whether the contract allows the debt to be treated as financeable. That is why this sector needs a careful, document-led conversation rather than a generic funding search.
Invoice finance is a form of receivables funding: a provider advances an agreed percentage of the value of eligible business-to-business invoices, then releases the remainder, less its charges, once the customer pays.
It is not a term loan with a fixed repayment schedule. The amount available moves with the sales ledger: as new eligible invoices are raised, more funding can become available; as customers pay, the advances are settled.
Providers typically focus on the creditworthiness of the customers paying your invoices, so your business's own credit profile may carry less weight. They still assess your business, invoice quality, payment history and customer concentration.
There are two main forms. In factoring, the provider normally manages the sales ledger and collects payment from customers. In invoice discounting, the business normally keeps its own credit control and customers pay into an account the provider controls.
At a glance
- Funded against
- Eligible, undisputed invoices raised to business customers
- Main forms
- Factoring and invoice discounting
- Advance rate
- Set by the provider for each facility; not a fixed percentage
- Charges
- Typically a service fee and a discount charge, plus any other fees in the contract
- Recourse
- Under most facilities the business remains responsible if a customer does not pay
- OCE’s role
- Introducer to third-party finance providers; not a lender
How invoice finance works for agency receivables
Invoice finance is based on unpaid invoices owed by business customers, not on the agency’s total turnover or on projected campaign revenue. In a typical setup, once a qualifying invoice has been raised and is due, a finance provider may advance funds against that receivable subject to its own assessment. For marketing agencies this means the underlying sale needs to be properly documented: who commissioned the work, what was delivered, when it was accepted, when payment falls due and whether the contract permits assignment or notice to the debtor. A receivable that is disputed, incomplete or not yet billable is less likely to fit the structure. The practical value is that the agency can match funding to completed work rather than waiting for clients to pay in full.
The distinction between a receivable and work in progress is especially important in marketing because campaigns often move through strategy, concept, production, approval and launch stages. If the invoice is linked to a milestone, the provider will normally want evidence that the milestone has genuinely been reached and that the client has accepted it or become contractually obliged to pay. This is where agency bookkeeping, project management records and signed approvals become more than administration; they are part of the funding case. A commercial finance broker can help you think through which invoices are more likely to be eligible and which parts of the workflow should be kept outside the funding discussion until they are clearly billable.
Factoring, discounting and selective funding compared
Factoring usually means the provider is involved in collections. For an agency that can reduce the burden of chasing overdue invoices, but it may also change the way clients are contacted. Discounting usually leaves the business in charge of credit control, which can be preferable where client relationships are sensitive and the team already has a clear internal process for reminders and overdue follow-up. Neither structure is inherently better; they serve different operating styles. The right choice often depends on whether the agency wants support with debtor management or simply wants funding against invoices while keeping collections in-house. OCE can explain the practical differences, but any provider will still assess the ledger, the debtor quality and the contract terms before deciding whether a structure is suitable.
Selective funding, sometimes referred to as spot factoring when it is applied to chosen invoices, can be useful where the agency only wants to fund a few large invoices or a particular client account. That can make sense if some debtors are stronger than others, or if one project has created an unusually large gap between cost outlay and payment. However, selected invoices still need to be valid, unpaid and within the provider’s appetite. It is not enough to have a sizeable invoice if the client can dispute it, delay acceptance or deduct part of the amount. Agencies should also consider whether funding a handful of invoices is enough to solve the wider cash flow pattern, or whether a broader structure would fit the way they trade.
Why debtor quality, disputes and contract wording matter
In invoice finance, the creditworthiness of the debtor is a central issue. That means the client who owes the money can matter as much as, or more than, the agency applying for funding. If the payer has a history of raising disputes, deducting amounts for amendments, or paying only after repeated reminders, a provider may take a cautious view even if the agency itself is well run. Concentration is also relevant. A book that depends heavily on one or two major clients can create a different risk profile from a more diversified ledger. The finance provider may look closely at how much of the receivables are tied to any single customer, how often invoices are queried and whether the terms support straightforward payment.
Contractual wording can be decisive. Agencies that work on acceptance-based terms, creative approvals or staged sign-off should review when the debt legally becomes due, whether the invoice can be assigned, whether set-off rights apply, and what happens if the client alleges defects or incomplete work. Charges and recourse risk also need proper attention. Invoice finance is not free working capital; there are costs, and in some structures the agency may remain exposed if a debtor does not pay for reasons covered by the agreement. That is why a broker’s role is to help you understand the structure and flag the issues before you approach a provider, rather than assuming all billed work is equally financeable.
Suitability
Which businesses it tends to suit
A provider will normally want to review the agency’s accounts, aged receivables, customer concentration, contract terms, invoice status and any history of disputes or deductions. For acceptance-based work, it is important to show when a milestone was reached and when the debt became due. Retainers may be relevant, but only the invoiced and enforceable part of the obligation is likely to matter. Unbilled work, draft projects and contingent future fees should not be treated as automatically eligible. If you serve a mix of corporate, public-sector and individual customers, the nature of the payer matters too, because invoice finance is generally about business-to-business receivables. OCE can help you organise the information a provider is likely to ask for, but every case still depends on its own documents and commercial reality. Invoice finance is built around a sales ledger of business customers. Whether it fits depends less on your sector than on how you invoice and who owes you money.
Usually a fit
- Businesses that invoice other businesses on credit terms and regularly wait weeks or months to be paid.
- Growing businesses whose sales are rising faster than cash comes in, so working capital is stretched by success rather than by losses.
- Wholesalers, distributors, manufacturers, recruiters and service firms that must pay suppliers or staff before their customers settle.
- Businesses that would value help with collections, where factoring and an outsourced credit control function may be appropriate.
Usually not a fit
- Businesses selling mainly to consumers, or taking payment at the point of sale. There is no business receivable to fund.
- Pre-payments, deposits and invoices raised before goods or services have been delivered, which providers generally treat as ineligible.
- Ledgers with significant disputed, contra or long-overdue debts, which are usually excluded from the funding calculation.
- Ledgers heavily concentrated on one or two customers, unless a provider agrees a concentration limit that suits the business.
Process
How invoice finance works for marketing agencies
For marketing agencies, the process needs to reflect the business and its funding purpose. The mechanics vary between providers and between factoring and discounting, but the cycle for a single invoice usually follows these stages.
- 01
Invoice issued
You deliver goods or complete services and raise a valid invoice to your business customer in the normal way.
- 02
Provider checks eligibility
The invoice is notified to the provider, which checks it is eligible and that it sits within the customer’s credit limit and your overall funding limit.
- 03
Agreed advance paid
The provider pays you the agreed percentage of the invoice value. The balance, the retention, is held back until the customer pays.
- 04
Customer pays
Your customer pays into the agreed collection account, which is normally controlled by the provider. In factoring the provider chases payment; in discounting you usually do.
- 05
Reconciliation
The provider applies the payment against the advance and deducts its charges, such as the discount charge and service fee.
- 06
Balance released
The remaining balance is released to you. If the customer does not pay within the agreed period, a recourse facility can require you to repay the advance.
Protection against customer insolvency (bad debt protection) is not included by default. It is only available where a provider separately agrees it, usually for an additional charge and subject to limits.
Comparison
Factoring, invoice discounting and spot factoring
All three release cash against invoices. Spot factoring focuses on individual or selected invoices, rather than an ongoing ledger facility. Compare how each option handles collections, customer relationships and reporting.
| Factoring | Invoice discounting | Spot Factoring | |
|---|---|---|---|
| Invoices funded | An ongoing facility covering eligible invoices for the agreed customer or debtor book. | An ongoing facility against an agreed eligible sales ledger. | Individual or selected invoices considered separately, subject to the provider's approval. |
| Who collects payment | The provider normally manages the sales ledger and collects from customers. | The business normally keeps its own credit control and collections. | The provider usually collects payment for the selected financed invoices, under the agreed terms. |
| Customer awareness | Customers usually deal with the provider and will be aware of the arrangement. | Can be arranged on a confidential basis only where the provider agrees. Confidentiality is not automatic. | Customers are usually notified of the payment arrangements for the financed invoices. |
| Internal resource needed | Lower; useful where the business has no dedicated credit control. | Higher; the business needs reliable credit control and reporting. | The business manages the rest of its ledger; provider support applies to the financed invoices. |
| Reporting to provider | Provider sees the ledger directly as it manages it. | Regular ledger reports, reconciliations and periodic audits by the provider are common. | Invoice details, debtor information and supporting evidence are assessed for each selected invoice. Checks vary by provider. |
| Typical fit | Smaller or fast-growing businesses wanting collections support. | Established businesses with robust financial controls. | Businesses with occasional cash-flow gaps or larger invoices, rather than an ongoing ledger-funding need. |
In practice
Funding needs for marketing agencies
These are some of the practical funding challenges to discuss when considering invoice finance.
- Retainers do not always mean immediate funding
- A retainer can improve predictability, but it does not automatically make future fees financeable. If the billing is monthly in arrears, tied to deliverables, or subject to a notice period or approval step, the financeability of each invoice still depends on the exact paperwork and the payer’s credit profile. Agencies sometimes assume that a long-standing client relationship is enough, yet invoice finance is usually assessed against the invoice itself, the underlying contract and the debtor’s ability and willingness to pay. Retainers also need careful handling where the work is ongoing and the invoice covers only part of the service delivered.
- Milestones and acceptance terms can delay eligibility
- Many agency contracts say that a milestone is billable only once a design is signed off, a campaign is accepted, or a stage has been completed to the client’s satisfaction. That acceptance point is important because an invoice raised too early may not count as an eligible receivable if the debt is not yet due and enforceable. If the contract allows the client to withhold payment pending review, change requests or correction of errors, the finance provider will usually want to see how those clauses operate in practice. This is especially relevant where the agency works across creative, digital and consulting services, because billing events can differ from one project to the next.
- Unbilled work is not the same as financeable debt
- Agencies often have substantial work in progress, but unbilled time, draft concepts and pre-approval activity are not the same as an unpaid invoice. Invoice finance is designed around receivables, so work that has not been invoiced, or that remains subject to acceptance, may fall outside the scope of funding. Spot factoring may help with selected invoices once they are valid and unpaid, while broader factoring or discounting arrangements may cover a wider ledger if the debtors and terms are suitable. The important point is that there is no automatic qualification simply because the work has been completed internally or because the project is commercially valuable.
A hypothetical agency completes a brand campaign for one corporate client, but the contract says the concept stage must be signed off before the next invoice is due and the final payment is only due after launch acceptance. The agency also has a monthly retainer with a second client, but a portion of that fee relates to future work not yet billed. In this scenario, a finance provider might look only at the invoices that are fully issued, due and supported by the contract and acceptance record. It may treat disputed or unbilled work differently, and it may consider whether the debtor is a business payer, how concentrated the ledger is and whether the agency wants factoring, discounting or selective funding. A lender or funder may offer an entirely different quote after reviewing the financials, contract wording and debtor profile. Nothing here is a promise of availability or approval.
Assumptions
- The invoices are genuine B2B receivables and not unbilled work, estimates or verbal agreements.
- The client contracts, acceptance records and dispute position are available for review, and the funding provider may assess the debtor as well as the agency.
Illustrative example only. You may receive an entirely different quote after a lender reviews your financials and funding requirements. Approval and terms are subject to provider assessment.
Weighing it up
Benefits and material limitations
Consider both the potential benefits for marketing agencies and the product risks below.
Benefits
- Can support the gap between delivery and payment
- When agencies bill after work has been delivered, invoice finance can help bridge the timing gap between staff costs, freelancer fees, software subscriptions and client payment dates. That can be useful where the agency has several large accounts but the cash is held up by extended payment terms. The structure does not change the client invoice itself, but it may improve day-to-day liquidity by turning eligible receivables into working capital sooner than waiting for settlement.
- Different structures suit different agency teams
- Factoring normally includes collections, so the finance provider may take responsibility for chasing payment, which can suit agencies that want to reduce internal credit control workload. Discounting normally leaves credit control with the business, which may suit agencies that prefer to keep client contact in-house. Selective funding can be used where you only want to fund particular invoices rather than the whole ledger. Those distinctions matter because agencies often have mixed debtor books, varying account managers and different levels of sensitivity around client communications.
- Can reflect debtor quality as well as applicant strength
- For agencies, a finance review is not just about how the business looks on paper. Debtor credit, invoice validity, concentration risk and contractual terms all matter. A strong agency with a small number of slow-paying clients may still need a careful review, while a newer agency with reliable public-sector or corporate payers may present a different profile. OCE can help you look at the practical shape of the ledger so you understand how a potential provider may view the receivables and what supporting records are likely to be needed.
Material limitations
- Only eligible invoices are funded
- Disputed, overdue, related-party, pre-billed and some overseas invoices may be excluded, so the usable amount can be well below the ledger total.
- Customer and concentration assessment
- Providers set credit limits per customer and may cap exposure to large customers, restricting funding on your biggest accounts.
- Recourse
- If a customer does not pay, the business usually has to repay the advance. Bad debt protection only applies if separately agreed.
- Fees and minimum terms
- Contracts can include minimum fees, minimum periods, notice periods and termination charges, which matter if you later want to leave.
- Guarantees and security
- Providers may require personal guarantees, indemnities or debentures where agreed in the facility.
- Confidentiality is not automatic
- Customers may learn of the arrangement, particularly under factoring, or if the provider needs to collect directly.
Why Ocean
Invoice finance that fits the way you trade
The advance percentage is only part of the decision. Ocean helps you consider the type of invoice facility, your customers and the way you want to manage collections before introducing relevant providers from our panel.
Industry context, not just an application form
We discuss how your business trades, when money comes in and what the funding must achieve, so sector-specific cash-flow pressures form part of the conversation.
Access to a wide panel
Ocean works with a wide panel of third-party lenders and specialist finance providers. That gives you options beyond one bank's product range, subject to provider appetite and eligibility.
The product should fit the business
We help establish whether a loan, invoice facility, asset funding or another structure fits the requirement, rather than starting with whichever product a single bank has available.
Compare the terms that matter
Look beyond a headline rate. We help you understand the fees, repayment pattern, security, guarantees and exit conditions relevant to the options being discussed.
Less repeated legwork
A central point of contact helps organise the initial enquiry and information for relevant providers. It can reduce repeated explanations, although lenders may still require their own applications and checks.
Help asking the right questions
We help clarify what providers need and what to check before proceeding. You retain control of the decision and can take independent legal, financial or tax advice where needed.
For this product
Consider factoring, discounting or selected invoices
A growing recruitment business funding payroll may need a different facility from a supplier financing one invoice. We discuss customer concentration, payment terms, credit-control capacity and whether selected invoices or a wider sales ledger should be considered. The provider assesses eligibility, including the quality of the invoices and customers.
Ocean Capital Exchange acts as a broker and introducer, not a lender. We do not make lending decisions or guarantee that a provider will make an offer. Introductions are limited to providers available through our panel; each provider sets its own eligibility, terms and credit decisions.
Meet the Ocean team · Read our company and provider disclosures
Due diligence
What providers assess
A provider will normally want to review the agency’s accounts, aged receivables, customer concentration, contract terms, invoice status and any history of disputes or deductions. For acceptance-based work, it is important to show when a milestone was reached and when the debt became due. Retainers may be relevant, but only the invoiced and enforceable part of the obligation is likely to matter. Unbilled work, draft projects and contingent future fees should not be treated as automatically eligible. If you serve a mix of corporate, public-sector and individual customers, the nature of the payer matters too, because invoice finance is generally about business-to-business receivables. OCE can help you organise the information a provider is likely to ask for, but every case still depends on its own documents and commercial reality.
- Your customers' creditworthiness
- Providers typically review the creditworthiness of the customers paying your invoices. This can carry more weight than your business's own credit profile, although your business, invoices and sales ledger are still assessed.
- Aged debt profile
- How quickly customers pay and how much of the ledger is overdue.
- Concentration
- How much of the ledger depends on a small number of customers.
- Disputes and credit notes
- The level of disputes, contra trading and credit notes, which affects how reliably invoices convert to cash.
- Contract terms
- Whether customer contracts allow assignment of debts and whether invoices are raised only after delivery.
- Business financials
- Accounts, management information and existing security held by other lenders.
Information often requested
- Aged debtor and aged creditor reports
- Recent filed accounts and current management accounts
- A sample of customer contracts or terms of trade
- Details of existing borrowing and any charges registered over the business
- Bank statements
The documents list is indicative. A provider may ask for more, or less, depending on its process. Ocean Capital Exchange does not make lending decisions. There is no single published set of eligibility rules. Each provider carries out its own due diligence and applies its own criteria, including any turnover or trading history thresholds. Areas commonly reviewed include:
Pricing structure
Costs and repayment
For marketing agencies, a quote should reflect the specific funding requirement. Invoice finance pricing is quote-specific. We do not publish rates because there is no standard rate: pricing depends on the provider, your ledger, your customers and the facility structure. The cost components to look for are:
- Service fee
- A charge for administering the facility, often calculated as a percentage of invoice value or turnover, sometimes with a minimum annual amount.
- Discount charge
- The cost of the money advanced, usually calculated daily on funds drawn, often expressed as a margin over a reference rate.
- Set-up and arrangement fees
- One-off charges for establishing the facility, where the contract includes them.
- Minimum usage or minimum fees
- Charges that apply if your volumes fall below an agreed level.
- Audit and ancillary fees
- Charges for periodic ledger audits, same-day payments, refactoring overdue debts or credit checks, where applicable.
- Termination fees
- Charges for leaving before the end of a minimum term or without the required notice.
Repayment and settlement
- Advances are normally settled from customer payments rather than by scheduled repayments from your bank account.
- Charges are typically deducted from the retention before the balance is released.
- Where a customer does not pay within the agreed period, a recourse facility can require you to repay the advance, or the provider may deduct it from other funds due to you.
- Exiting a facility usually means settling outstanding advances, which can require refinancing or a run-off of the ledger.
Checklist for comparing quotes
- 1.Advance rate and how eligible debts are defined
- 2.Service fee basis and any annual minimum
- 3.Discount charge basis and reference rate
- 4.Concentration limits and customer credit limits
- 5.Recourse period and treatment of overdue invoices
- 6.Minimum term, notice period and termination charges
- 7.Guarantees, indemnities and security required
Worked illustration
Invoice finance calculator for marketing agencies
New to invoice finance? Choose Quick estimate, enter your outstanding invoice value and explore factoring, invoice discounting or spot factoring with clearly labelled example assumptions. Providers typically focus on your customers' creditworthiness, so your business's own credit profile may carry less weight. Your business and invoices are still assessed, and the profiles illustrate the overall funding scenario rather than your business's credit alone. Already have provider figures? Choose Compare my quote to enter the exact advance percentage, charges and payment terms. Estimates are illustrations, not lender offers.
Illustrative example only
Your actual quote may be entirely different after a lender or finance provider reviews your financial information and funding requirements. These figures are not a lending decision or an offer of finance.
Your estimate
Enter your outstanding invoice value to see an estimate.
0 of 1 required figures entered
Advance, charges and retention
Enter your invoice amount, advance rate, service fee, annual discount charge, days until customer payment to see the breakdown.
2 of 7 required figures entered
Illustrative only, not a binding finance offer. Costs vary by lender and applicant; additional fees may apply and eligibility is subject to assessment. Ocean Capital Exchange is an introducer, not the lender. Invoice collection, debtor quality, recourse and facility-wide minimum charges are not assessed. How this calculator works.
Discuss your requirements with the OCE team. No calculator figures are required.
Want to discuss these figures? Contact OCE. Calculator figures are not transferred automatically, so please include any you want us to review.
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Invoice finance FAQs for marketing agencies
Still unsure? Call +44 20 7183 2026.
Can an agency fund retainer invoices under invoice finance?
Sometimes, but not automatically. The key point is whether the retainer has been properly invoiced, is due and is supported by contract terms that make it a valid receivable. If part of the retainer relates to future work, the eligible element may be narrower than the total relationship with the client. A provider will usually want to see the billing cycle, what the retainer covers and whether there is any right for the client to challenge or offset the amount.
Are milestone invoices easier to finance than project invoices?
They can be, if the milestone is clearly defined, accepted and due. If sign-off is still pending, or the client can withhold payment until later stages, the invoice may not yet be financeable. The document trail matters: statement of work, approval emails, sign-off records and the contract itself can all affect whether the receivable is considered valid and unpaid.
What is the difference between factoring and discounting for an agency?
Factoring normally includes collections, so the provider may manage debtor chasing. Discounting normally leaves credit control with the business, so the agency keeps control of client communications and collections. Both are ways of funding invoices, but they suit different operations and different client relationships. The right option depends on how your agency wants to manage debtor contact and how your ledger is structured.
Can unbilled creative work be included?
Usually not as invoice finance, because invoice finance is based on receivables rather than work in progress. Draft concepts, time recorded but not billed, and work awaiting approval are not the same as an unpaid invoice. Some businesses explore other structures for work in progress, but those are separate conversations and still depend on the provider’s appetite and the supporting documents.
Does a strong agency credit profile guarantee funding?
No. Applicant strength helps, but debtor credit, invoice validity, disputes, concentration and contract wording also matter. A finance provider may be comfortable with one agency and cautious with another even if the agencies look similar on turnover. The quality of the receivables is central, so the debtor book and billing terms need to be reviewed carefully.
Will invoice finance affect how we deal with clients?
It can. If you choose factoring, the provider normally handles collections, which changes debtor contact. If you choose discounting, you usually keep credit control yourself. Either way, you should think about how reminders, dispute handling and sign-off are managed, because the finance structure needs to fit your client relationships and internal workflow rather than disrupt them.
What is the difference between factoring and invoice discounting?
In factoring, the provider normally manages your sales ledger and collects payment from customers. In invoice discounting, your business normally keeps its own credit control, and customers pay into an account controlled by the provider. Discounting generally needs stronger internal controls and reporting.
How much of an invoice can be advanced?
Each provider sets its own advance rate for each facility, based on its assessment of your customers and ledger. There is no universal figure. The advance applies only to invoices the provider treats as eligible.
Whose credit profile do providers assess, and what documents will I need?
Providers typically focus on the creditworthiness of the customers paying your invoices. Your business's own credit profile may therefore carry less weight than it would for a traditional business loan, but it is not ignored. Providers still review your financial position, customer payment history, overdue invoices, customer concentration, disputes, credit notes and contract terms. Expect to be asked for aged debtor and creditor reports, accounts, management accounts and sample customer terms. Exact requirements are provider-specific.
Will my customers know I am using invoice finance?
Under factoring, customers will usually know because the provider collects payment. Invoice discounting can be arranged on a confidential basis, but only where the provider agrees, and confidentiality can be withdrawn under the facility terms, for example if the provider needs to collect directly.
What happens if a customer does not pay?
Most facilities are with recourse: if an invoice remains unpaid beyond the agreed period, you must repay the advance or the provider deducts it from other funds due to you. Protection against a customer’s insolvency is only included where separately agreed, usually at extra cost and subject to limits.
Do I have to finance my whole sales ledger?
Many facilities cover the whole ledger. Some providers offer selective or single-invoice arrangements that fund chosen invoices or customers. Whole-ledger facilities and selective facilities are priced and structured differently, so compare like with like.
Which fees should I compare between quotes?
Compare the service fee and any annual minimum, the discount charge and its reference rate, set-up fees, audit and ancillary charges, minimum usage terms, the minimum contract period and termination fees. The headline advance rate alone does not show the total cost.
How are advances repaid, and when do I receive the retention?
Advances are usually settled from your customers’ payments into the collection account. The provider then deducts its charges from the retention and releases the balance to you. Timing of releases depends on the facility terms.
Can invoices in foreign currency be financed?
Some providers will fund export invoices or invoices in other currencies, subject to their criteria for overseas customers. Invoice finance does not by itself protect you from exchange rate movements between invoicing and payment; currency risk should be considered separately.
How is the calculator result worked out?
The advance is the invoice multiplied by the advance percentage. The discount charge is the annual rate applied to the chosen basis (the advance or the full invoice) for the days outstanding on a 365-day year. The service fee is a percentage of the invoice. The retention released when your customer pays is the invoice less the advance and charges deducted at settlement. All figures are illustrative.
Independent background reading
These independent sources explain general concepts. They do not endorse Ocean Capital Exchange or confirm our providers, product availability or terms. Your provider’s agreement takes precedence over an illustration.
Important information
Ocean Capital Exchange Ltd introduces businesses to third-party invoice finance providers. We are not a lender and do not make credit decisions. Any facility is provided under the provider's terms and is subject to its assessment of your ledger and customers.
The calculator illustrates a single invoice using the rates you enter. It is not a quote and actual charges, minimums and fee conventions vary by provider.
Discuss funding for marketing agencies
Talk to Ocean Capital Exchange about invoice finance for marketing agencies. We can help you assess the product fit and discuss your requirements with relevant providers.
- Or call
- +44 20 7183 2026
- Office
- 73 Watling Street, London, EC4M 9BJ