Structuring a £1m to £5m invoice finance facility
Corporate facility structuring
Asset-Based Lending
Expand the borrowing base by leveraging inventory, machinery, and property alongside the debtor book.
Asset-driven covenants
Facilities are closely tied to asset performance and collateral value, which can offer different covenant structures compared to traditional term debt.
Credit insurance
Facilities are often wrapped with whole-turnover credit insurance to mitigate catastrophic debtor insolvency risk.
Beyond the basic ledger: Asset-Based Lending (ABL)
When funding requirements exceed £1m, businesses often possess substantial assets beyond their sales ledger. Corporate lenders structure hybrid ABL facilities to maximize liquidity.
- Receivables (Invoice Discounting): Funding advanced against the eligible debtor book, typically up to 85-90%.
- Inventory Finance: Advancing funds against finished goods or raw materials held in secure warehousing.
- Plant and Machinery: Releasing capital locked in heavy equipment via refinancing.
- Property: Structuring term loans against commercial real estate.
By blending these assets, corporations can often achieve a higher overall quantum of funding tailored to their operational needs.
Complexities of execution
Intense due diligence
The underwriting process involves deep dive field audits, inventory appraisals, and legal reviews of major client contracts.
Syndication risk
For very large facilities, the primary lender may syndicate the risk with other institutions, increasing legal and administrative complexity.
Who you could speak to
- STEP 1
A conversation with a broker
You talk to a real Sorbus broker about the business, the purpose and what is affordable. No application at this stage.
- STEP 2
Credit placement
If you choose to go further, we prepare the case and decide which lenders on our panel of 150+ are worth approaching.
- STEP 3
Lender assessment
The lender, not Sorbus, underwrites and makes the credit decision. Approval is never guaranteed.
- STEP 4
Documentation
If a lender offers terms and you accept, we help coordinate agreements and payout paperwork with you.
Every step after the first is optional. You can stop after the conversation. Sorbus is a broker, not a lender.
Client journey
Explore real client journeys
Read how real businesses approached a funding goal, what Sorbus arranged and what happened next.
Browse anonymised case studiesStart with a conversation
Tell us a little about what you need and who you would like to speak to. No obligation, no credit check at this stage. We aim to respond within one business day, Monday to Friday, 9am to 5:30pm.
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Optional: Business Finance Health Check
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Email us anytime
hello@sorbusfinance.co.ukIn almost all circumstances we do not charge a broker fee. Should a broker fee be chargeable you will be made aware clearly in advance and it will be agreed in writing before you proceed. Read our Initial Disclosure.
Sorbus Finance acts as a credit broker/introducer, not a lender. We can introduce you to lenders on our selected panel and do not search the whole market. We do not provide advice or a recommendation. Lenders determine eligibility, pricing and final terms. We may receive commission from a lender; the amount and method can vary and may affect what you pay. Read our Commission Disclosure and Complaints Procedure.
Frequently asked questions
Common questions from UK businesses about £1m - £5m facilities.
Ready to discuss your requirements?
Speak to a Sorbus Finance specialist about a suitable £1m - £5m facilities structure for your business. Free, no-obligation comparison across lenders on our selected panel.