1. Tell us the requirement
Start with the amount, purpose and timing. You do not need to choose the correct product first.
Larger & specialist funding
Export Invoice Finance for UK Businesses
Export invoice finance releases working capital against eligible unpaid invoices issued by a UK business to overseas B2B customers. The provider assesses the debtor, country, currency, contract and collectability of the debt; overseas invoices are not automatically eligible.
Usually takes around 5–8 minutes. An enquiry does not commit you to taking finance.
Access to 250+ funding routes through our lender & specialist partner network.
How eligible overseas invoices support working capital
A provider agrees which invoices qualify and how availability is calculated. Collections then reduce the outstanding funded balance. Cross-border sales introduce additional assessment of legal enforceability, payment methods and local collection arrangements. Domestic eligibility rules should not be assumed to apply unchanged overseas.
Disclosed or confidential arrangements
Factoring may include provider involvement in collections and customer disclosure. Invoice discounting normally leaves day-to-day credit control with the business; confidential structures may be possible where the provider accepts the business, reporting and arrangements. Confidentiality and customer contact must be checked in the actual agreement.
Recourse generally leaves the business responsible for unpaid debt in circumstances defined by the agreement. Credit protection, where offered, has limits, exclusions and conditions. It does not automatically cover disputes, credits, fraud or every customer default.
Country, currency and concentration
Providers review debtor countries, customer creditworthiness, concentration, ageing, payment terms and disputes. Funding, invoicing and collection currencies may differ. Confirm who bears exchange-rate changes, conversion costs and any mismatch between an invoice receipt and a facility repayment.
A large export customer can create concentration risk even when overall turnover is strong. Credit notes, returns and contested delivery can affect availability.
Export invoice finance or trade finance?
| Situation | Starting route to review |
|---|---|
| Eligible overseas invoice already exists | Export invoice finance may address the waiting period for payment. |
| Supplier needs paying before goods are delivered or invoiced | Trade finance or another purchasing route may fit the earlier stage. |
| UK and overseas debtor books are both material | A provider may assess a combined ledger or separate components. |
See trade finance for supplier and order timing, or the main invoice-finance route to compare collections structures. This page concerns commercial provider routes. It does not describe or claim an NBS UK Export Finance approval or UKEF-backed arrangement.
Useful information to prepare
You do not need every item to start. Tell us the amount, purpose and timing; NBS can explain what would help the next review.
- Export turnover and domestic/export split
- Aged debtor report, debtor countries and invoicing currencies
- Top customers and concentration
- Invoice and payment terms, contracts and delivery evidence
- Disputes, credit notes, returns and overdue balances
- Existing facilities and credit-protection arrangements
Important considerations
- Eligibility can change by debtor or country and may reduce available funding.
- Foreign-exchange movements and collection costs can affect cash flow.
- Credit protection may exclude important causes of non-payment.
- Check recourse, minimum fees, notice periods and security obligations.
NBS Finance is a commercial finance broker and introducer, not a lender. Providers make funding and credit decisions and set the amount, charges, security and terms. An enquiry or introduction does not guarantee finance.
The NBS enquiry process
2. Review the starting route
NBS reviews the information and identifies an appropriate starting route through its lender and specialist partner network.
3. Provider assessment
A suitable provider may request further information and decide whether to offer terms. Review any offer before committing.
Related funding routes
Frequently asked questions
Can all overseas invoices be funded?
No. Debtor country, currency, credit quality, contract terms, ageing and disputes affect provider eligibility.
Can the arrangement be confidential?
A confidential structure may be possible subject to provider assessment. Customer contact and disclosure terms must be confirmed in the agreement.
Is bad-debt protection automatic?
No. Any credit protection must be separately understood, including debtor limits, exclusions and claim conditions.
Is this a UKEF service?
This page describes commercial export invoice-finance routes. NBS is not claiming an approved UKEF relationship or UKEF-backed facility here.
Tell us what the business needs
Tell us the amount, purpose and timing. We can review which starting route appears most relevant.
One enquiry. No commitment to take finance. Subject to provider assessment and terms.