Invoice Discounting
What is Invoice Discounting?
Invoice Discounting is a flexible funding solution that unlocks funds tied up in your unpaid invoices. By turning your sales ledger into working capital, it gives you faster access to funds to improve cashflow, support strategic change, and fuel business growth.
How does Invoice Discounting work?
It allows you to unlock up to 90% of the value of your unpaid invoices, often within 24 hours of issuing them. Rather than waiting 30, 60 or even 90 days for customers to pay, you can access a steady flow of working capital to support day-to-day operations, seize new opportunities, and invest in future growth. Once your customer pays the invoice, you receive the remaining balance, minus any agreed fees.
Releasing the working capital you need to power your business
Designed to grow alongside your business, our facilities support Finance Directors, CFOs and Managing Directors who need more than a traditional lending product. Whether you're restructuring, acquiring, expanding into new markets or responding to changing demand, your funding should adapt just as quickly. Unlike a traditional business loan, Invoice Discounting is a revolving facility, meaning the funding available increases as your sales grow, giving you the confidence and flexibility to scale.
Invoice Discounting explained
Invoice Discounting is a key type of Invoice Finance - a funding solution that grows flexibly as your business expands. The more you invoice, the more funding you can access and far quicker than waiting for your customers to pay.
Watch our short video to find out more about how faster access to your cash provides funding for growth.
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Here are 3 reasons to use Invoice Discounting
Access your cash within 24 hours of set up
Don't wait for customers to pay. Make efficient use of money you have already earned more quickly with Invoice Discounting.
Funding that grows with your business
Almost two thirds of SMEs expect sales to increase in the next 12 months. Invoice Discounting is a flexible funding solution that grows with your business.
Avoid taking on additional debt
Invoice Discounting releases funds tied up in unpaid invoices - money already earned. This avoids the need to take on additional debt, required with other forms of financing.
Strengthening cashflow with Invoice Discounting
Promec is a mechanical and engineering services company delivering projects across commercial, residential and industrial sectors throughout Ireland. As the business grew and secured larger contracts, managing cashflow became critical.
Invoice Finance bridged the gap between invoices and supplier payments, giving the business a flexible funding line to support growth and invest in its future.
Why choose Bibby Financial Services?
Flexible
Our funding solutions are designed to grow with your business, helping you unlock working capital and invest with confidence. As Ireland's leading independent specialist invoice finance provider, we have been supporting SMEs for over 20 years.
Relationship focused
We believe business is personal. We take the time to understand your business and your ambitions, so you'll always know who to call when you need support. Our experienced team is committed to building long-term relationships that help businesses grow with confidence.
Trusted
We support more than 8,500 businesses worldwide and have been supporting Irish SMEs for over 20 years. As Strategic Banking Corporation of Ireland (SBCI) accredited on-lender and member of Banking & Payments Federation Ireland (BPFI), reflective of our commitment to high standards and best practice.
Award-winning
We are committed to delivering outstanding service and support to our clients. In 2025, we were proud to be named Financial Services Company of the Year at the InBusiness Recognition Awards, recognising our contribution to the SME sector.
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How we have helped other businesses
€3 million
Our client is in recruitment and works to place staff predominately in healthcare and hospitality. Following a recent MBO, our €3m facility has provided a steady working capital solution, and allowed them to continue placing staff across the country. For added peace of mind, they added Bad Debt Protection across their debtors ledger to protect against debtor insolvency and non-payment.
- Industry:
- Recruitment
- Solution:
- Invoice Discounting
- Region:
- North County Dublin
€2 million
We provided our client, an award-winning Irish cosmetics brand, with a €2m facility to keep up with explosive wholesale demand and growth of the business, including additional retail outlets. With our partner PTSB, we have helped our client progress with further expansion on a global basis, and at their own pace too.
- Industry:
- Cosmetics manufacture and wholesale
- Solution:
- Confidential Invoice Discounting
- Region:
- Dublin City
Chef in a Box
"BFS Ireland have been the ideal partner – providing funding within one week of our working together, and continual advice and support on the best way to do business. With products now flying off the shelves, having invoice finance in place means we can grow our business at the pace the market dictates."
More reasons to work with Bibby
PTSB partnership
Bibby Financial Services and PTSB (Permanent TSB) have joined forces to offer customers the best possible range of funding solutions.
We understand the importance of SMEs to the Irish economy. This partnership with PTSB is designed to help businesses to improve their cash flow management and fund growth ambitions.
SBCI partnership
Bibby Financial Services is dedicated to powering the growing business ambitions of SMEs. Through our exclusive partnership with the Strategic Banking Corporation of Ireland (SBCI), we deliver tailored, flexible, cost-effective funding solutions that help businesses across all sectors thrive. As the SBCI’s invoice finance liquidity partner.