Invoice Discounting Services for Small and Growing Businesses

Access the cash you need without the wait.

Invoice discounting solutions give SMEs fast, flexible access to working capital by turning unpaid invoices into immediate cash flow. Maintain full control of your customer relationships while strengthening liquidity to support daily operations and business growth.

Apply Now
Trusted by Financial Institutions
Backed by IFS Capital for reliability and security
No Collateral Required
Hassle-free financing without the need for asset pledges.
Multi-Currency Support
Seamless transactions of major currencies, like CAD, EUR, and more.
Fast Approval and Funding
Quick access to funds with our streamlined process.

What is Invoice Discounting?

Invoice discounting is a short-term working capital solution that turns your outstanding B2B invoices into cash, without losing control of customer interactions. Unlike factoring, you retain complete ownership of collections and client relationships, making it ideal for businesses that value discretion and operational independence. With this approach, you unlock the cash tied up in receivables well before payment is due, fueling business momentum through online invoice discounting tools tailored for speed and privacy.

What Are the Benefits of Invoice Discounting?

Unlock Immediate Cash

Get quick access to funds from your unpaid invoices—no need to wait for full payment terms.
icon view
>

Maintain Control & Confidentiality

Retain full ownership of your invoices and keep your financing arrangement private.
icon walet
>

Stabilize Cash Flow

Maintain consistent liquidity for seasonal and credit-based sales with flexible invoice discounting solutions.
icon file
>

Strengthen Business Health

Improve financial agility and negotiating power with suppliers and customers by maintaining a stable cash position.
icon file

Who Can Take Advantage of Invoice Discounting Services?

Our invoice discounting solutions are ideal for:

Businesses seeking fast working capital without giving up customer control

Companies that value confidentiality in financing arrangements

SME business looking to bridge short-term cash flow gaps

Firms with reliable, creditworthy B2B customers

When is the Right Time to Use Invoice Discounting?

Consider export factoring when your business:

When is the Right Time to Use Invoice Discounting?

To Address Urgent Cash Needs

Businesses can consider applying for invoice discounting when immediate liquidity is required to cover operational expenses, meet short-term obligations, or maintain optimal working capital levels.

When Traditional Collateral is Limited

Invoice discounting can be ideal for businesses, especially startups and SMEs, that do not have significant assets to secure traditional financing options.

To Manage Challenging Customer Payment Cycles

This solution can be beneficial when customers frequently pay late or request extended credit terms, as it helps ensure steady cash flow without straining important client relationships.

To Seize New Growth Opportunities

Businesses can leverage invoice discounting to capture new opportunities, fund expansion, or scale operations without waiting for invoices to be cleared.

When Your Business Primarily Relies on Credit Sales

Invoice discounting can aid in maintaining liquidity when most of your revenue is tied up in receivables from credit-based transactions.

Get Paid Faster & Grow Your Global Business

Ready to strengthen your cash flow and reduce overseas payment risks? Let’s talk about how our global factoring solution can support your growth.

Contact Us

Flexible Funding Through Invoice Discounting

Get upfront cash from unpaid invoices while maintaining control of your accounts. Explore how invoice discounting can help your business.

Contact Us Now

Frequently Asked Questions

How is invoice discounting different from invoice factoring?

While both solutions accelerate access to working capital by unlocking funds tied up in unpaid invoices, they differ in how collections and customer communications are managed.

Invoice discounting allows you to retain full control. This means your team continues handling credit control and collections, and the arrangement remains confidential.

Invoice factoring services, on the other hand, include outsourced collections, where the financier manages follow-ups and payments directly with your customers. This can be beneficial if you're looking to reduce administrative workload alongside boosting cash flow.

Is invoice discounting suitable for SMEs in Singapore?

Yes, invoice discounting is well-suited for SMEs with reliable customers and steady sales volumes. It helps unlock working capital without giving up control over customer relationships.

Do I need to inform my customers when using invoice discounting?

Typically, no, invoice discounting is confidential. You continue to manage communications and collections. However, certain providers may require notification under specific terms, so it’s best to review your agreement.

How quickly can I access funds through invoice discounting services?

Once your invoices are verified, funds can be released quickly, often within days. Online platforms that provide invoice discounting and accounts receivable services, such as Factorglobe, offer faster processing compared to traditional providers, especially for recurring users.

What types of invoices are eligible for invoice discounting?

Most invoice discounting providers accept unpaid, business-to-business (B2B) invoices that are undisputed and due within a set credit term (often 30 to 90 days). Invoices issued to creditworthy customers are typically preferred. Eligibility criteria can vary by provider, so it's best to check the specific requirements before applying.

Get instant insights on your Trade/Export contract

Upload your trade contract/agreement document and receive a detailed analysis directly to your inbox.

Our AI-powered analysis identifies non-standard clauses and suggest ways to mitigate risks.
PDF, DOCS formats up to 10MB
Uploading...
PDF, DOCS formats up to 10MB
icon pdf
fileuploaded.jpg
icon checked
Completed
Upload failed. Max size for files is 10 MB.
To receive the analysis report to your inbox, please enter your email address
Oops! Something went wrong while submitting the form.

How it works?

Our AI analyzes your contract to highlight non-standard terms, identify risks, and recommend solutions to minimize your trade risks

Benefits of the Analysis

Quick insights to mitigate trade contract risks
icon view
>
Recommendations to streamline your finances
icon walet
>
Detailed, easy to understand analysis
icon file

Contact Support

Need help or have questions about the analysis? Contact our support team at info@factorglobe.com