Invoice Finance
What is Invoice Finance?
Invoice Finance is a working capital (revolving) credit facility that helps businesses release cash tied up in outstanding customer invoices. Typically up to 90% of the value of your invoices, within 24hrs this funding bridges the gap between invoicing and getting paid.
In addition, because the facility is linked to your sales ledger, it provides a flexible way to support growth. Invoice Finance is used widely by businesses in may sectors across Ireland, with more than €1.2 billion advanced at the end of 2025
Invoice Finance offers many benefits and helps improve day-to-day cashflow and support business growth by providing the funding needed to invest in people, materials, marketing and technology. It can also support business change, including management buyouts or acquisitions.
With Irish SMEs reporting an average of €82,960 tied up in unpaid invoices, used effectively Invoice Finance can help keep cash flowing and growth plans on track.
Invoice Finance explained
Watch our video for an overview of what Invoice Finance is, how it works and how it can help your business.
Three reasons to use Invoice Finance
Funding that grows with your business
Almost two thirds of SMEs expect sales to increase in the next 12 months. Invoice Finance supports that growth. Unlike fixed credit lines, your funding isn’t capped at a level that quickly becomes outdated — it moves in line with your business, helping you scale with confidence.
Cashflow that puts you in control
More predictable cashflow puts you in control helping you plan ahead, invest with discipline and reduce the uncertainty that can hold back growth. Don’t wait for customers to pay. Make efficient use of money you have already earned more quickly with Invoice Finance and access your cash within 24 hours of set up.
Avoid taking on additional term debt
Invoice Finance 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. Because funding is linked to your invoices, your facility increases as growth opportunities arise.
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Growing a business with Invoice Finance
Promec
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 bridges the gap between invoices and supplier payments, giving the business a flexible funding line to support growth and invest in its future .
Invoice Finance considerations for my business. What if…
...I need to scale my business quickly?
When an opportunity arises, whether at home or overseas, healthy cashflow is critical to have the funds you need. Invoice Finance releases cash tied up in your invoices, so you can act quickly without delay.
…I have customers overseas?
No problem. If you have customers located overseas, we can help you. Our dedicated team will support your business in maximizing the potential of your export operations globally, all while ensuring the maintenance of your cashflow with international customers.
…I’m considering a MBO or acquisition?
Specialising in invoice finance, a revolving facility of up to €15m that unlocks working capital tied up in your business’ sales ledger. Used on its own or combined with term debt products, to provide responsive, flexible and scalable financing to support growth transactions like MBO, M&A, succession planning or debt refinancing.
…my customers can't pay?
Even when business is thriving it can take just a few unpaid invoices to cause significant problems.
If you are looking for security and the confidence that you will receive payment for the work you’ve done or products you’ve sold, then you can protect your finances with Bad Debt Protection.
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Why choose Bibby Financial Services?
Flexible
As a family-owned business, our independence and experience enables a tailored approach. Your Invoice Finance facility will scale with you, as it grows with your sales and can provide more flexibility than a loan for a fixed amount.
Relationship focused
We believe business is personal. We get to know our clients and understand their needs and you’ll know who in the team to call, not just a number. Our team are experienced and reliable. This is evidenced in many of the great reviews we receive which highlight how our colleagues go over and above to support their clients.
Trusted
We support over 8,500 clients worldwide and have been working with Irish SMEs for over 20 years. As an SBCI-accredited onlender, we help eligible businesses access competitively priced funding, supported by dedicated relationship managers and deep sector expertise.
Award-winning
We are Ireland’s leading independent specialist Invoice Finance provider, and were recently named Financial Services Company of the Year at the InBusiness Recognition Awards 2025.
How we have helped other businesses
€5 million
We provided our client, a subcontract labour provider in the engineering sector, with a €5 million Recourse Factoring facility to support business expansion and the placement of 350 additional staff across Ireland. With Bad Debt Protection in place, up to 90% of invoice value is safeguarded against the risk of non-payment.
- Industry:
- Engineering
- Solution:
- Factoring with Bad Debt Protection
- Region:
- Kerry
€1.8 million
With our partner PTSB, we provided a Dublin-based client with a €1.8m confidential invoice discounting facility to support a management buyout. The client had recently switched from Ulster Bank following its 2021 exit, and the facility ensured both a smooth transition and ongoing working capital support.
- Industry:
- Air conditioning and maintenance
- Solution:
- Confidential Invoice Discounting
- Region:
- Co. Dublin
€350K
Founded in 1990, our client had built up years of experience and a strong industry reputation. When the opportunity arose to continue their commercial growth through the acquisition of another business, we put in place a 350k facility for them to ensure steady cashflow in their existing business and support their expansion.
- Industry:
- Hospitality refrigeration services
- Solution:
- Confidential Invoice Discounting
- Region:
- North 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
€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
€250K
We provided our client with a 250k factoring facility to help our client with their working capital requirements following their business growth post Covid-19 and to meet their increased business costs since Brexit. This funding has allowed our client to increase their fleet of vehicles to over 30, and continue providing their specialised transport and haulage services across the UK and Ireland.
- Industry:
- Transport and logistics
- Solution:
- Invoice Factoring
- Region:
- Meath
Frequently asked questions?
We have compiled a list of questions that we hear most often from business owners and financial decision makers considering Invoice Finance.