Partnership Invoice Finance: products, terms and eligibility

Partnership Invoice Finance is a UK provider of invoice finance. The legal entity named on its site is Partnership Invoice Finance Limited, company number 04365011. It is based in Paddock Wood, Kent. Companies House shows the company was incorporated 2002.

Partnership Invoice Finance Limited is based at Suite B, 15 Commercial Road, Paddock Wood, Kent, and was incorporated in 2002 according to Companies House. Its website offers invoice finance for start-ups and SMEs, for funding up to and in the region of £1,000,000.

In its own words on scale:

• Says it provides invoice finance for funding up to and in the region of £1,000,000 (figure on its site in October 2026).

Everything on this page comes from what Partnership Invoice Finance publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

Partnership Invoice Finance publishes 3 products for UK businesses. The table above gives the amounts and terms as it states them.

• Recourse factoring: Prepayment against outstanding invoices; the lender manages sales ledger and credit control.
• Disclosed invoice discounting: Prepayment against debts while you keep control of ledger management; cash allocated as received.

Recourse factoring

Factoring gives access to the value of outstanding customer invoices before they are paid. The lender provides the funding and manages the sales ledger and credit control, from notification of each transaction through to debt collection. The site says clients get remote access to their ledger and control account, and that the lender helps with disputes and flags payment issues.

Disclosed invoice discounting

Lets the business keep control of its own ledger management while receiving prepayment against its debts. The lender keeps a shadow ledger and allocates cash as it is received, so the business does not wait for month-end adjustments. The site says clients get an online system for credit decisions and that debtors receive monthly statements of amounts owing.

Outsourced credit control

Listed as a service in the site navigation. No further description was readable on the pages checked.

Partnership Invoice Finance says its finance is used for:

• Releasing cash tied up in unpaid customer invoices
• Outsourcing credit control and sales ledger management
• Funding business growth

Partnership Invoice Finance publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Start-ups and SMEs.
• Sells to other businesses on open account terms.
• Has delivered the product or service as ordered by the customer.
• Funding requirement up to and in the region of £1,000,000.

Invoice finance releases cash tied up in unpaid invoices: the provider advances part of an invoice’s value when you raise it and pays the balance, less its charges, when your customer pays. With factoring the provider collects from your customers; with invoice discounting you keep collecting yourself.

Providers assess your customers as much as your own business: who owes you, on what terms and how concentrated the debt is. It suits firms that sell on credit to other businesses, such as recruitment agencies and manufacturers.

Points Partnership Invoice Finance publishes that are worth knowing:

• Factoring is on a recourse basis.
• Invoice discounting is disclosed, not confidential.
• States it assesses each business case by case.
• Introducer page describes coverage across the southern half of England.

The pages we checked do not carry a regulatory statement, so we describe none. Ask Partnership Invoice Finance how it is regulated and check any claim on the FCA Register.

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of invoice finance with profiles here include Penny, Team Factors and TP24 (Tradeplus24). Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.