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Long payment terms can put pressure on an otherwise healthy business. We help explore funding against eligible invoices, so you can meet commitments while customers take time to pay.
Start Your EnquiryBusiness-purpose finance. Fortis is a broker, not a lender.
Access funding against eligible unpaid business invoices rather than waiting for payment. The facility is assessed against your receivables, customers and trading profile.
Combine invoice funding with a provider-managed credit control and collection service. This can suit businesses that want external support managing their sales ledger.
Explore invoice funding while retaining responsibility for credit control. Confidential arrangements may be available where the provider’s criteria are met.
Explore structures intended to support supplier payments and the timing of your trading cycle. Availability depends on the commercial relationships, transactions and provider criteria.
This may suit a business with unpaid business-to-business invoices, extended customer terms or a need to support growing sales without waiting for collections.
Not every invoice qualifies. Disputes, overdue accounts, customer concentration and contractual restrictions can affect availability. In recourse arrangements, your business may remain responsible if a customer does not pay.
We discuss the proposed terms and charges before you decide whether to proceed. All facilities remain subject to provider criteria, status and credit checks.
Our lender network gives us access to over 200 commercial lenders. We approach providers whose criteria fit the enquiry; the number of options available depends on your circumstances.
Tell us what you need to fund, the amount and your preferred timing. We establish the business circumstances before looking at potential routes.
Your case handler may request aged debtor and creditor reports, sample invoices, business accounts and details of your main customers.
We approach suitable providers and explain the proposed costs, security and next steps. You decide whether to proceed; the lender makes the credit decision.
Fortis is a broker, not a lender. Our broker fee is 1.5% of the loan amount or £2,995, whichever is greater. We may also receive commission from the lender. Lender arrangement, valuation, legal and other charges may apply, depending on the facility.
We arrange finance for business purposes only. We are not authorised or regulated by the FCA and do not give advice or recommendations on regulated products. Enquiries that fall within FCA regulation are introduced to Loan.co.uk Limited, an independent FCA-authorised firm (FRN 718486). We may receive an introduction fee.
Read our fees and disclosuresBoth involve funding against invoices. Factoring generally includes provider-managed collections, while invoice discounting usually leaves credit control with your business. The agreement determines the actual service.
That depends on the arrangement. Some facilities are disclosed to customers; confidential arrangements may be available subject to provider assessment. We will establish the proposed position before you proceed.
The provider assesses eligible invoices, advance levels, reserves and any existing borrowing. We will explain the proposed availability and charges rather than assume all invoices can be funded.
Start with the amount, purpose and timing. A named case handler will explain the information needed next.
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