UK Invoice Finance Tools
Free interactive tools to help UK businesses evaluate invoice finance: affordability, true APR comparison, approval likelihood, debtor concentration risk, and cost comparisons. All tools work in your browser; no email required to use.
Invoice Finance Affordability Calculator UK
Tells you whether your monthly invoice finance cost is sustainable based on your turnover and margin.
Invoice Finance APR Equivalent Calculator UK
Translates a quoted invoice finance facility (service charge % + discount charge) into a true APR eq....
Early Payment Discount vs Invoice Finance Calculator UK
A customer offers you 2/10 net 60 (2% discount for paying in 10 days, full payment in 60).
Debtor Concentration Checker for UK Invoice Finance
UK invoice finance providers cap funding when one customer represents too much of your sales ledger.
Cost of Not Using Invoice Finance Calculator UK
Quantifies the hidden cost of waiting for customers to pay: bank overdraft, missed early-payment dis....
Invoice Finance Approval Likelihood Checker UK
Quick approval-probability score based on the underwriting signals UK invoice finance providers actu....
Borrowing Base Calculator UK
What your sales ledger actually funds once aged debt, concentration excess, contras and reserves are deducted, then the advance rate applied.
Switching Feasibility Checker UK
What stands between you and moving invoice finance provider: notice period, minimum term, termination charges and the security release.
Exit Cost Calculator
Estimate what leaving an invoice finance facility early actually costs: notice period, minimum term and any fixed exit fee.
Minimum Fee Shortfall Calculator
Work out the minimum-fee shortfall in a quiet month: the gap between your percentage service charge and the contracted minimum.
Invoice Finance Offer Letter Decoder
Tick the terms in an offer, from the debenture and personal guarantee to concentration limits and the recourse period, and get plain-English flags and the questions to ask the provider.
Selective vs Whole-Book Invoice Finance Cost Calculator UK
Calculate which structure is cheaper for your business: selective spot factoring (per-invoice fees, ....
Invoice Age vs Advance Calculator UK
How much can you borrow against an invoice depending on its age? UK providers reduce advance rates f....
Lifetime Cost of Invoice Finance Calculator UK
Compounds monthly service charge + discount charge across a 12 to 36 month facility to show the true lifetime cost of your invoice finance facility.
Invoice Finance Eligibility Checker UK
Quick eligibility check against the most common UK invoice finance underwriting criteria: turnover, debtor count, industry, and trading history.
Invoice Finance Fee Comparison Model (Excel)
Free working spreadsheet: enter three quotes and 12 months of invoicing to see year 1 cost, minimum fee top-ups and cost per £100 funded. Plain CSV grid still included. No email required.
Is Factoring Cheaper Than an Overdraft or Loan? UK Comparator
Side-by-side annual cost of factoring vs a business overdraft vs a term loan for the same funding gap, with an honest verdict on when invoice finance is the wrong answer.
Working Capital Calculator UK
Enter current assets and current liabilities to get your working capital, current ratio and a plain-English verdict, plus how much cash your debtor book could release.
Free UK Credit Note Template (VAT-Compliant)
Copy or download a credit note template with every field HMRC requires under Regulation 15C, plus a statement of account template. No email required.
Free UK Invoice Template
Copy or download a UK invoice template with every field gov.uk and HMRC require, for sole traders and VAT-registered businesses, plus the £250 simplified-invoice rule. No email required.
Free Proforma Invoice Template UK
Copy or download a proforma invoice template, plus a plain explanation of how it differs from a VAT invoice and why it creates no tax point. No email required.
Free Chase Letter Pack UK
Copy or download a polite first reminder and a firmer second reminder for an unpaid invoice, the steps before a formal letter before action. No email required.
Free Letter Before Action Template UK
Copy or download a letter before action (LBA) to chase an unpaid B2B invoice, plus how the Pre-Action Protocol for Debt Claims applies and the statutory interest you can add. No email required.
Free Self-Billing Invoice Template UK
Copy or download a self-billing invoice template with the mandatory SELF-BILLING marking and output-tax wording HMRC requires under VAT Notice 700/62. No email required.
Free Statement of Account Template UK
Copy or download a statement of account template with a running balance and an ageing summary, plus how it mirrors the aged debtor report a finance provider funds. No email required.
Selective Invoice Finance Batch Cost Model (Excel)
Price a batch of invoices on selective finance: rejected invoices, capped advances, every fee line, cash in now and cost per £100 advanced. Free spreadsheet, no email required.
Aged Debtors Report Template (Excel)
Download a free aged debtors spreadsheet that ages unpaid invoices into bands, totals each customer and flags over-age invoices and concentration, the checks an invoice finance provider runs. No email required.
Free Credit Application Form Template UK
Copy or download a credit application form for new business customers: company details, credit requested, trade references, credit check consent and an office-use section for the credit decision. No email required.
Free Receipt Template UK
Copy or download a UK receipt template to confirm a payment received, with the fields a VAT receipt needs and how it differs from an invoice. No email required.
Free CIS Invoice Template UK
Copy or download a CIS invoice template for construction subcontractors, showing the 20% or 30% CIS deduction on labour only and the VAT reverse charge. No email required.
Free Quotation Template UK
Copy or download a quotation template with a validity period, VAT and clear terms, plus how a quote differs from an estimate, a proforma and an invoice. No email required.
Late Payment Interest Calculator UK
Work out statutory interest (8% above base) and the fixed recovery sum on an overdue commercial invoice under the Late Payment Act 1998, with a copyable demand letter. No email required.