Invoice finance | Timber merchants
Timber merchants invoice finance for B2B credit and stock turnover
Invoice finance support for timber merchants managing B2B credit, disputed grading, delivery proof and stock turnover through Ocean Capital Exchange.
Definition
Invoice finance for timber merchants
Timber merchants often trade on account, deliver to builders, joiners, manufacturers and other business customers, and then wait for invoices to be paid. That can leave cash tied up in stock, sawmill orders, transport costs and payroll long before customer money arrives. Ocean Capital Exchange is a commercial finance broker, not a lender, so our role is to help you understand whether invoice finance may suit the way your business trades and what a funder will want to review. The starting point is always the quality of the receivables, not simply the size of your sales ledger. For timber merchants, that usually means looking closely at who owes the money, whether the invoice is valid and undisputed, how delivery and grading are evidenced, and whether any customer terms could affect payment. Because timber supply can involve partial deliveries, short claims, product specification issues and variable order sizes, it is important to distinguish invoices that are genuinely collectible from paperwork that still needs resolving before funding can be considered. Different structures can also change who handles collections and how much day-to-day credit control remains with your team.
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 timber merchants
Invoice finance is a working capital tool based on eligible unpaid B2B invoices. In practice, that means a funder reviews invoices raised to business customers and may make funding available against those receivables once they meet the funder’s criteria. For timber merchants, the useful part is the timing: money that would otherwise be locked in trade debtors can become available earlier, helping to cover stock purchases, fuel, labour and overheads while you wait for settlement. The facility is not the same as a bank loan secured only on property or equipment, because it is tied to the quality and collectability of the ledger.
Eligibility is never just about your own business performance. A funder may look at who the debtor is, whether the invoice is valid, whether there are disputes or credits pending, how concentrated the ledger is and whether the trading terms support funding. Timber supply can be particularly document driven, so the strength of your delivery notes, proof of receipt, order confirmations and any acceptance paperwork can matter a great deal. If an invoice is disputed over grading or quantity, the receivable may be treated differently from an undisputed trade invoice. OCE can help you understand the mechanics, but the final decision belongs to the funder after review of the full file.
Factoring, discounting and selective funding
Factoring normally means the funder is involved in collections. That can reduce the amount of debtor chasing your team needs to do, but it also changes who speaks to your customer about payment. Some timber merchants prefer this because it can standardise credit control and reduce admin. Others prefer discounting, where credit control normally stays with the business. That can be a better fit if you want to keep customer relationships and collections in house, while still releasing cash from eligible invoices. Neither structure removes the need to manage disputes, and neither works if the invoice is not acceptable to the funder.
Selective funding or spot factoring focuses on chosen invoices rather than the whole ledger. This can be useful where one customer, one seasonal order or one larger project creates a temporary cash gap. It can also be a way to test how invoice finance fits your workflow before considering broader support. However, the fact that a receivable is selected does not mean it will automatically qualify. Funders still examine debtor credit, invoice validity, disputes, contractual terms and any concentration concerns. The funding line is assessed invoice by invoice, not simply by reference to turnover.
Delivery evidence, grading disputes and receivable quality
Timber merchants often need strong evidence that goods were delivered as ordered and accepted. Signed delivery notes, proof of receipt, dispatch records, order references and any agreed specification sheets can help show that an invoice is genuinely due. If a customer later raises a grading issue, short delivery complaint or quality dispute, that can affect whether the receivable remains eligible. The same applies if there is confusion about part deliveries, split consignments or substituted items. Good paperwork does not guarantee funding, but weak paperwork can make funding harder to assess.
Where a business trades with builders, manufacturers, public sector buyers or other commercial customers, the type of payer matters. B2B and public sector receivables are usually reviewed differently from invoices owed by individuals or self-funders, and the funder will want to understand the exact nature of the obligation. OCE will not ask for patient-identifiable records, and it is important not to treat every debt as equally fundable simply because the invoice exists. The question is whether the receivable is enforceable, undisputed and within the funder’s appetite. That is especially important in a sector where claims about grading or delivery may arise after the goods have left the yard.
Suitability
Which businesses it tends to suit
A meaningful assessment starts with the ledger, not with turnover alone. Ocean Capital Exchange will look at the way you trade, the type of debtors you invoice, the size and concentration of the book, and the paperwork behind each receivable. Expect questions about customer types, terms of sale, evidence of delivery, any claims for shortages or grading issues, historic disputes, credit control process and whether any invoices are subject to set-off or other contractual deductions. A funder may also want to understand how often you raise credits, how quickly disputes are resolved and whether invoices are fully due or still conditional in any way. New business growth does not automatically mean more availability, because funders assess debtor quality and enforceability as well as volume. OCE is a broker, so we can help you prepare for that review and compare structures, but the decision to fund rests with the lender. 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 timber merchants
For timber merchants, 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 timber merchants
These are some of the practical funding challenges to discuss when considering invoice finance.
- Credit is often tied up in stock and debtor days
- Timber merchants may have money locked into purchased stock, processing, transport and account sales at the same time. If customers buy on credit, the business can be profitable on paper while still feeling pressure on the bank balance. Invoice finance is designed around that timing gap, but it only works where the underlying invoices are eligible and acceptable to a funder. The account balance alone is not enough. A funder will look at the debtor, the invoice terms, whether the goods were delivered as agreed, and whether anything might delay or reduce payment.
- Grading disputes can hold up invoice eligibility
- In timber trading, the exact specification matters. Disputes may arise over grading, moisture content, dimensions, species, treatment, cutting tolerances or whether the right quantity arrived. Even where the goods have left your yard, an unresolved complaint can affect whether an invoice is seen as eligible for funding. This is why delivery evidence, signed paperwork and clear order records matter. A funder will usually want to understand whether the invoice is genuinely due, not merely raised.
- Customer concentration can affect a funding review
- A merchant may rely on a small number of large trade customers, merchants, contractors or joinery businesses. That can create concentration risk if a significant share of turnover depends on a few debtors. Lenders and funders may also review contractual terms, disputes history and debtor credit quality. Applicant strength matters too, but it is not the only consideration. A strong order book does not automatically mean invoices will be funded, and a growing turnover figure does not automatically mean a larger facility will be available.
A timber merchant sells to several repeat trade customers on account. It has delivered goods, issued invoices and now needs cash to replenish stock for the next run of orders. The owner explores invoice finance with Ocean Capital Exchange so they can understand whether funding against eligible unpaid B2B invoices might help bridge the gap. A broker can explain the difference between factoring, discounting and selective funding, and can help the business prepare the information a funder is likely to review. But the lender may offer an entirely different quote after reviewing the financials, the debtor book, the terms of trade and any disputes. If one customer is arguing about grading or a delivery note is incomplete, that invoice may be treated differently from an undisputed receivable. Nothing about the enquiry guarantees approval, and the final structure could differ from the first conversation.
Assumptions
- The business has unpaid invoices issued to business customers, but eligibility depends on the funder’s assessment of each receivable.
- Some invoices may be excluded or treated differently if there are disputes, unclear delivery evidence, contractual issues or customer concentration concerns.
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 timber merchants and the product risks below.
Benefits
- Turn unpaid invoices into working capital
- The main attraction of invoice finance is that it can release value from eligible unpaid B2B invoices rather than waiting for customers to pay in full. For timber merchants, that may help smooth the cycle between buying stock, processing materials and collecting from trade buyers. The structure does not remove the underlying credit risk in the ledger, but it can reduce the strain caused by long customer payment terms when invoices are suitable for funding.
- Choose a service level that fits your credit control
- Factoring normally includes collections, so the funder or their appointed team is involved in chasing payment. Discounting normally leaves credit control with the business, which may suit merchants that already manage debtor relationships in house. Spot factoring, sometimes called selective funding, is different again because it concerns selected invoices rather than the whole ledger. Each structure has different operational consequences, so the right choice depends on how you want to handle customer contact, dispute management and internal administration.
- Support can be shaped around specific invoices
- Some timber businesses do not want to fund every invoice. They may only wish to use invoice finance for larger customers, seasonal peaks or particular contracts. Selective funding can help businesses explore that approach, but it still depends on the quality of the invoices offered. Debtor credit, invoice validity, concentration and contractual terms all matter. The point is to match the facility to the trading pattern, not to assume that every unpaid invoice will qualify automatically.
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 meaningful assessment starts with the ledger, not with turnover alone. Ocean Capital Exchange will look at the way you trade, the type of debtors you invoice, the size and concentration of the book, and the paperwork behind each receivable. Expect questions about customer types, terms of sale, evidence of delivery, any claims for shortages or grading issues, historic disputes, credit control process and whether any invoices are subject to set-off or other contractual deductions. A funder may also want to understand how often you raise credits, how quickly disputes are resolved and whether invoices are fully due or still conditional in any way. New business growth does not automatically mean more availability, because funders assess debtor quality and enforceability as well as volume. OCE is a broker, so we can help you prepare for that review and compare structures, but the decision to fund rests with the lender.
- 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 timber merchants, 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 timber merchants
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 timber merchants
Still unsure? Call +44 20 7183 2026.
Can timber merchants use invoice finance for all unpaid sales invoices?
Not necessarily. Invoice finance is based on eligible unpaid B2B invoices, so a funder will review whether each invoice is valid, undisputed and within appetite. If there is a grading complaint, a delivery discrepancy, a contractual deduction or weak debtor quality, the invoice may not be treated as eligible. It is not enough that the sale has been made or that turnover is growing.
What is the difference between factoring and discounting?
Factoring normally includes collections, so the funder or their appointed team handles debtor chasing. Discounting normally leaves credit control with the business, so your team remains responsible for collections. The commercial impact is important because it changes who speaks to customers, how disputes are handled and how much admin stays in house.
What does spot factoring mean for a timber merchant?
Spot factoring means funding selected invoices rather than the whole ledger. A timber merchant might use it for a large one-off order, a seasonal spike or a particular customer account. It can be useful for flexibility, but the selected invoice still needs to be reviewed for validity, debtor quality and any dispute risk before funding is considered.
Do delivery notes matter when selling timber on account?
Yes. Delivery evidence is often central to whether an invoice is seen as collectible and suitable for funding. Signed notes, proof of receipt, order references and any specification documents can help support the invoice. If a customer disputes what arrived, when it arrived or whether it matched the agreed grade, that can affect eligibility.
Will a strong turnover figure guarantee invoice finance availability?
No. Availability does not automatically grow with turnover. Funders review debtor credit, invoice validity, disputes, concentration and contractual terms as well as the applicant business. A larger sales ledger can still contain invoices that are unsuitable for funding if the underlying receivables are weak or heavily disputed.
Can invoice finance help with stock turnover and reordering?
Potentially, because it can release cash from eligible invoices while you wait for customers to pay. That may support stock replenishment, transport and payroll. But it does not remove dispute risk or change the underlying terms of trade. The funder will still assess the receivables and may apply charges and, where relevant, recourse risk if invoices remain unpaid under the facility terms.
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 timber merchants
Talk to Ocean Capital Exchange about invoice finance for timber merchants. 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