Invoice Discounting

Turn your invoices into cash

Another innovative solution to unlocking working capital is something we call invoice discounting. In simple terms,

  • We take over your invoices and pay you a portion of their value in cash
  • We collect the money from your debtors when payment is due
  • We pay you back the balance of the invoice less the interest charged

It’s an easy way to raise cash quickly in order to exploit a new business opportunity while saving time and labour.

Find out more

Why Invoice Discounting is good for you:

Win New Contracts

Provide your customers with favourable payment terms so you can win new contracts.

Saves Time and Labour

We do all the following up and chasing of payments with your debtors, so you can focus on growing your business.

Speed Up Working Capital & Save Money

Invoice discounting helps you pay suppliers faster and to negotiate those all-important early settlement discounts. It‘s one of the fastest ways to access liquid capital. You could have cash in as little as 24 hours.

How it works:


Submit your invoices on our online portal, we verify your invoice, and then we pay out a percentage of your invoice directly into your bank account.


We typically advance 70% of the invoice value upfront and then advance the other 30% less the fee charged as soon as the customer has paid.


We charge a fixed interest charge for each invoice value for each month that the invoice is outstanding.

It's right for you if...

If you have a debtors book that you give your clients payment terms of 30 to 60 days.

If you have more than 5 debtors/customers on your debtors book and no single customer is more than 30% of your total book size.

If your debtors are frequent customers that you supply on an ongoing basis.

If your debtors book has not been ceded or used as collateral for other debt facilities.

You are currently cash only and would like to start giving terms to your clients.

Get Started Now

Still have questions?

Find answers to frequently asked questions below, or get in touch if you have a new question!

Won't my customers think that my business is in trouble when they discover that I am discounting my debtor's book?

What security is needed for Invoice Discounting?

What if I have ceded my debtors book to the bank already?

What is invoice discounting?

Who handles everything?

How do you interact with customers?

What are the costs associated with Invoice Discounting?

Can I use Invoice Discounting on an ad hoc basis?

Will I lose control of my collections?

What is the difference between Invoice Discounting and Factoring?

Will the administrative charges and interest rates erode my margins?

I've got a close relationship with my customers. How will they react when Geddes Capital's Invoice Discounting starts dealing with them?

Need help? Let's chat!