Structuring a £250k to £1m invoice finance facility
The shift in funding dynamics
Confidentiality opens up
Providers trust your internal finance team, allowing you to transition to confidential discounting.
Bespoke limits
Negotiation power increases. You can secure bespoke funding caps for specific blue-chip clients.
Lower marginal costs
As volume increases, the percentage-based service fee drops, lowering the relative cost of capital.
Graduating to Confidential Invoice Discounting
The journey from £250k to £1m is usually the point where a business outgrows standard factoring. Handing over credit control for a massive ledger can damage delicate client relationships, and the cost of factoring at scale becomes prohibitive.
To qualify for Confidential Invoice Discounting at this level, providers expect:
- A dedicated internal finance team or experienced bookkeeper.
- A proven track record of maintaining low debtor days (typically under 60 days).
- A clean ledger with minimal credit notes or disputes (low dilution).
- Cloud accounting software capable of producing clean month-end reconciliations.
Refinancing considerations
Incumbent inertia
Businesses often stay with their high-street bank out of habit, missing out on significantly cheaper rates from independent mid-market specialists.
Audit preparation
If moving to CID, the lender will rigorously audit your systems before approval. Poor cashbook maintenance will result in a decline.
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.
Prefer to call?
Speak directly to an adviser Monday–Friday, 9am–5:30pm.
01246 383500Free call. No obligation.
Optional: Business Finance Health Check
Before applying for £250k-£1m invoice finance, understand your lending readiness, resilience score, and exit strategy, in under 5 minutes.
Take the short Health CheckFree · No credit check · Not required before you talk
Want the full picture? The full fact-find is longer and also optional.
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 £250k - £1m facilities.
Ready to discuss your requirements?
Speak to a Sorbus Finance specialist about a suitable £250k - £1m facilities structure for your business. Free, no-obligation comparison across lenders on our selected panel.