Invoice Finance

Capital solutions designed to help your business grow

Features and Benefits

Features and Benefits

A fast cash injection

A quick, cost effective way of releasing up to 90% of the value tied up in your unpaid invoices.

Funding that grows

Your invoice finance facility grows as your sales grow, giving you a flexible working capital source.

Help drive financial benefits

Having a fast source of working capital may enable you to drive better supplier pricing negotiations to help increase margins

Personal and flexible service

A dedicated, experienced relationship management team to support you.

Confidential facility

You maintain responsibility for your sales ledger, credit control and collection of outstanding invoices, allowing you to retain direct contact with your customers.

Local support

Our Relationship Managers will get to know your business and provide you with a financial package specifically designed to meet your working capital requirements.

To find out more about Invoice Discounting, take a look at our Fact Sheet (PDF, 315KB)


Our web-based system called FacFlow allows you to manage your account, from viewing balances you requesting funds online.

  • Fast: You can make requests and receive payments on the same working day.
  • Intuitive: The system is well designed and easy to use.
  • Robust: FacFlow can handle large volumes with ease.
  • Secure: Your information is kept secure through encryption technology.
  • Thorough: Extremely comprehensive with the ability to produce full reports.

If you haven't re-registered for the new version of FacFlow yet, please select 'Log in to FacFlow (old)'.

Improve cash flow

We support businesses by providing working capital facilities linked to the value of a company's debtor book. It could be an excellent way of providing funding for your company and funds may be available at a higher level than those through conventional banking products.

If your business provides trade credit, Invoice Finance could provide the immediate funding that you need.

A good quality debtor book enables you to release cash from one of your most valuable assets to part-fund an acquisition or to finance ongoing working capital needs.

An Invoice Finance Facility is not just for businesses experiencing cash flow pressures. If you are looking to expand either organically or through acquisition it can help too.

Invoice Finance may facilitate a deal that would otherwise prove impossible, without diluting ownership of your business

Is my business suitable?

Invoice Finance allows your company to raise working capital by converting your trade debts into cash. It is suitable for businesses with a minimum turnover of £500,000. Invoice Finance works for companies in a number of industries including manufacturing, wholesale, distribution and also for companies that export.


  • Your business is an SME*
  • You have made a formal lending request to Ulster Bank
  • Your appeal relates to a lending application declined / approved in the last 30 days
  • Your lending request was for an amount between £1,000 and £3,000,000
  • Your lending request does not relate to Business Credit Cards

*An SME is defined by the EU as a business with less than 250 employees, turnover of less than £50 million and/or balance sheet less than £43 million

4 reasons to choose Ulster

We’re open for UK businesses

We're helping so many businesses across Northern Ireland. Why not be part of the success?

We’re experts in most fields

We have customers in most sectors, so you can be confident with our expertise and support.

We offer a support network

You'll receive your own Relationship Manager (turnover and eligibility criteria apply).

Our app makes it easier for you

With fantastic features, our app can do the heavy lifting, so you can focus on your business. (eligibility criteria applies).

Get in touch

New customers:

To find out more about our services or to arrange a meeting with a Sales Manager please call:


Lines are open 9am to 5pm - Monday to Friday. Note calls may be recorded.

Something else we can help you with?