What is it?


  • Need Funds now, not in three months?

  • Fed up chasing your clients for payment?

  • Need funding to acquire or upgrade equipment?


As a company grows, it starts to consume a lot of cash in the day to day operations of the business that has nothing to do with its profits or losses. This type of cash requirement is called working capital.


Working capital is the finance that businesses need for their day-to-day trading operations.


Ulster Bank Invoice Finance


Bank of Ireland Commercial Finance

Close Brothers Commercial Finance

AIB Invoice Finance


Do you have debtors? Can your debtors be slow to pay?

If the majority of your debtors paid you tomorrow, would you have use for the cash?

Invoice Finance enables you to raise working capital by converting trade debts into cash. Under this facility a company can access funds of up to 85% of approved invoices usually within 24 hours. Cash is continually delivered to your business, increasing with your sales, without the burden of loan repayments.

What is Invoice Finance?

Invoice Finance is an asset – based debtor finance product, that provides an upfront release of cash tied up in trade debts. Access up to 85% of invoiced debt. Our Invoice Finance service, provided by AIB Commercial Finance Limited, may be the answer to your working capital needs. Get immediate access of up to 85% of invoiced debt without affecting your customer relationship.


Bibby Financial Services Ireland is part of the Bibby Line Group, the largest independent provider of cash flow finance globally which provides €1billion funding to over 7,000 SMEs across 47 international offices in 15 countries. Bibby provides a wide range of flexible funding solutions that help Irish businesses grow and expand. The company supports SMEs by giving them access to cash tied up in invoices through invoice financing. Bibby works with clients, both new start-ups and established businesses, across all business sectors and supports almost 5,000 jobs in the Irish economy. The company employs 30 people in Ireland and is based in Sandyford, Dublin.

PayMe™ is a reliable, cost-effective, and easy-to-use solution offering suppliers early payment for invoices. PayMe™ enables suppliers to sell their invoices and receive working capital upfront rather than waiting months for customer payment; it is quick, affordable and does not require a credit check or contract. 

The PayMe™ user interface is intuitive, easy-to-use, and allows suppliers to view all their invoices in one convenient location. Suppliers simply select the invoices they want processed for early payment and receive upfront payment in just two easy clicks.  


Invoice Finance allows your company to raise working capital by converting your trade debts into cash. It is a confidential facility and as far as your customers are concerned, everything works just as it did before. You receive up to 90% of the value of invoices once you notify us of them electronically using our FacFlow™ system. FacFlow™ is easy to use and reduces the administration associated with an Invoice Finance Facility by allowing you to notify sales and to access funding.

SME Finance & Leasing  Solutions LTD

SME Finance satisfies clearly identified market need in a defined segment of the leasing market in Ireland: providing leasing for smaller ticket assets (€1,000 - €10,000), thus facilitating the capital expenditure requirements of Small to Medium Enterprises (SMEs) SME Finance provide our services to suppliers of capital goods (vendors) and offer a streamlined and highly automated application process that will significantly reduce their cost of achieving sales whilst maintaining a sound credit risk assessment process. SME Finance 

does not offer Lease services directly to lessees. We primarily provide finance through a nationwide network of independent equipment vendors, sales organisations and other dealer-based origination networks.


Your hands needn’t be tied by crippling interest rates, unreliable sources of finance or overdrafts that fail to keep pace with your growth rate.

Convertibill® provides flexible, handsfree business finance and invoice discounting. On the one hand it pays your suppliers. On the other hand it provides hassle free invoice discounting when buying your customer invoices. But without all the usual constraints and frustrations of securing traditional loans.

Convertibill® provides flexible finance across all aspects of your business.

Invoice finance is one of the fastest growing business finance solutions in the UK & Ireland. You effectively sell us your unpaid invoices. We pay you up to 85% of their value the same day you raise them, so you have instant access to the money your customers owe you. Then, when the debt is collected, we pay you the balance less an agreed fee.


Our team of specialists will work to create a funding solution that meets the needs of your business. We offer a range of products including invoice discounting and factoring which can be tailored to suit your requirements.

Finance Ireland

Finance Ireland Ltd is a privately owned financial services Group. We have businesses that specialise in Motor Finance, Finance & Leasing (incorporating Hire Purchase, Contract Hire, Vehicle & LCV leasing, Short-term Car Rental), Commercial Mortgages and Asset Management (primarily debt purchase and recovery). We are continually seeking further suitable opportunities in order to add value to the Group.

Established in 2002, the Group has businesses that specialise in debt purchase and recovery, motor finance, personal lending, lifetime mortgages and residential reversionary assets.

The Group has Net Assets in excess of €40 million at December 2015.

Capital Flow Finance

Capitalflow Commercial Finance specialises in providing competitive, tailored and flexible financial

solutions to integrate with your business investment. Our Invoice Finance Team consists of 

experienced decision-makers, who look beyond the numbers to the people and their businesses.    

Capitalflow Asset Finance specialises in providing competitive and tailored financial solutions to 

integrate with your business investment. Whatever your requirements, Capitalflow Commercial 

Finance will develop a solution specific to your business needs.  Asset Based Lending is an effective 

funding solution for businesses that are seeking to fully utilise the potential value of their assets. 

Grenke Leasing

Our core business is leasing for information technology. As well as this we provide you and your 

customers with the possibility to lease many other products. Together with you we develop 

solutions tailored to your unique requirements.

MicroFinance Ireland Ltd

Like a bank MFI offers interest-bearing loans but, unlike a bank, they operate on a not-for-profit basis. Helping to create or sustain a job is at the heart of MFI business. SMEs may have difficulty in accessing credit from banks – due to economic difficulties or for reasons such as lack of security, current level of bank debt, difficulty with existing borrowings, or lack of a track record. Microfinance Ireland has been initiated by the Government to provide another funding avenue to assist people who are finding it difficult to access credit, which in turn will help to create and sustain employment. Irish based SMEs can apply to MicroFinance Ireland for unsecured business loans from €2,000 up to €25,000.