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Invoice finance

Whether you are seeking additional working capital to support growth, have slow paying customers or you need help with credit control, we can create a cashflow solution to meet your business needs.

What is invoice financing?

As soon as your business raises an invoice, we’ll advance up to 95% of the invoice value. When your customer pays, we’ll then send you the remaining balance of the invoice minus any fees.

There are two primary invoice finance products, invoice discounting and invoice factoring. The main difference between discounting and factoring is who collects customer payments.

We also offer Bad Debt Protection to make sure you receive a payment even if your customer unexpectedly can’t pay.

Invoice your customers

We pay up to 95% of the value of your invoice

Invoice payment collected

We pay you any remaining balances

Reasons to choose Paragon

With over 30 years’ experience, we’re specialists in cashflow solutions and we work with businesses of all shapes and sizes.

We pride ourselves on a flexible service and treating all of our customers fairly. As a Paragon customer, you’ll have easy access to decision makers who will support your business through its evolution.

  • Advances of up to 95% of the invoice value
  • Short notice contracts available
  • Flexible and simple fee structure, with no hidden fees
  • Access to fast and efficient legal recovery
  • New start businesses, MBOs/MBIs and turnaround transactions welcomed
  • Support of a dedicated credit controller

Invoice finance solutions from Paragon

Invoice discounting

Confidentially access up to 95% of your invoice value, helping you to improve your company's cashflow.

Invoice factoring

Similar to invoice discounting but we'll manage the collection of payments for you.


Similar to invoice factoring but you maintain responsibility for collecting payments.

Bad debt protection

Receive payments when your customers can’t pay.


We provide invoice finance solutions for businesses across a range of sectors, including:

  • Manufacturing
  • Engineering
  • Print
  • Haulage
  • Courier
  • Plant hire
  • Recruitment
  • Services
  • Wholesale
Paragon Business Finance PLC. Registered in England number 01497411. Registered office 51 Homer Road, Solihull, West Midlands B91 3QJ.

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Paragon Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered in England number 05390593. Registered office 51 Homer Road, Solihull, West Midlands B91 3QJ. Paragon Bank PLC is registered on the Financial Services Register under the firm reference number 604551