Invoice Finance

Capital solutions designed to help your business grow

How Invoice Finance works

Finance options

We offer solutions which could turn your unpaid sales invoices into available cash. Allowing you to create new funding opportunities to support business growth

Dedicated team

Our Relationship Managers will get to know your business and provide you with a financial package specifically designed to meet your working capital requirements.

Improved cash flow

Unlike traditional banking products, Invoice Finance supports businesses by providing working capital facilities linked to the value of a company's debtor book.

Online access

Our web-based system called Facflow™ allows you to view balances, keep records and request funds online.

How much does it cost?

  • A Discount Charge (similar to an interest rate) is levied only on funds used by the customer
  • A Service Fee (related to the on-going management of the facility) is typically charged on an annual fixed fee basis and is billed at the end of each month

Features and Benefits

Features and Benefits

A fast cash injection

A quick, cost effective way of releasing up to 85% of the value tied up in your unpaid invoices.

Funding that grows

Your invoice finance facility grows as your sales grow, giving you a flexible working capital source.

Help drive financial benefits

Having a fast source of working capital may enable you to drive better supplier pricing negotiations to help increase margins

Personal and flexible service

A dedicated, experienced relationship management team to support you.

Confidential facility

You maintain responsibility for your sales ledger, credit control and collection of outstanding invoices, allowing you to retain direct contact with your customers.

Local support

Our dedicated team are based across the regions.

Improve cash flow

We support businesses by providing working capital facilities linked to the value of a company's debtor book. It is an excellent way of providing funding for your company and funds may be available at a higher level than those through conventional banking products.

If your business provides trade credit, Invoice Finance could provide the immediate funding that you need.

A good quality debtor book enables you to release cash from one of your most valuable assets to part-fund an acquisition or to finance ongoing working capital needs.

An Invoice Finance Facility is not just for businesses experiencing cash flow pressures. If you are looking to expand either organically or through acquistion it can help too.

Invoice Finance may facilitate a deal that would otherwise prove impossible, without diluting ownership of your business

Is my business suitable?

Invoice Finance allows your company to raise working capital by converting your trade debts into cash. It is suitable for businesses with a minimum turnover of €1,000,000. Invoice Finance works for companies in a number of industries including manufacturing, wholesale, distribution and also for companies that export

It is a confidential facility and as far as your customers are concerned, everything works just as it did before.

You remain in control of your credit function, however, we do require that you record strong proof of delivery, that you have a good spread of trade debtors and that you maintain good credit control and sales ledgers systems.

You receive up to 85% of the value of invoices once you notify us of them electronically using our FacFlow™ system.

Invoice Finance can provide a significant cash injection to your business which can be used to fund working capital requirements.

When your debtor pays the invoice and the amount is remitted to us in full, the 15% balance (less our charges) is paid to you.

Invoice Finance is suitable if you are a large business, trading domestically or internationally, with a minimum annual turnover of €10 million, we will be happy to discuss how Invoice Finance can help with your working capital requirements.


We realise you want to manage your Invoice Finance facility as quickly and easily as possible. With this in mind we have designed FacFlow™ - a system that actually reduces your administration burden.

  • Fast: You can make requests and receive payments on the same working day.
  • Intuitive: The system is well designed and easy to use.
  • Robust: Facflow can handle large volumes with ease.
  • Secure: Your information is kept secure through encryption technology.
  • Thorough: Extremely comprehensive with the ability to produce full reports.

Business Lending Interest Rate Review

If you require more information on the Ulster Bank Business Lending Interest Rate Review, please see below for further details.

Further information

Applied already?

How to complain

Contact us today

Margaret Carrigan
087 7979806
Cavan/Monaghan & North East


David Murray
087 2296918
South and Midlands


Ger O'Driscoll


Galway/North West & Corporate.

Lines are open 9am to 5pm.

Something else we can help you with?