PCG Finance/Invoice Discounting
Invoice Discounting
Turn issued invoices into working capital now, instead of carrying 30 to 90 day terms on your own balance sheet.
How it works
Key benefits
Cash when you need it
Funding follows sales, so growth does not have to be financed out of reserves.
Scales with turnover
The facility grows against the debtor book rather than being fixed at approval.
No new debt on assets
You are drawing against work already delivered, not securing against plant or property.
Confidential option
Under a confidential facility your customers continue to deal only with you.
Selective use
Discount the whole ledger or only the invoices where the terms hurt most.
Predictable working capital
Payroll, suppliers and fuel stop depending on when a large debtor decides to pay.
Who it is for
Eligibility snapshot
Rows marked "to confirm" need your commercial criteria before this page goes live.
Common questions
Confidential and selective facilities are the two variants most clients ask about.
Will my customers know?
Not under a confidential facility. You continue to invoice and collect in your own name, and the arrangement stays between us.
Do I have to discount every invoice?
No. A selective facility lets you choose which invoices or which customers to draw against.
Who chases payment?
With invoice discounting you keep your own credit control. That is the main difference from factoring.
What does it cost?
Pricing depends on turnover, debtor quality and the advance rate agreed. We quote in writing before you commit.
How long does approval take?
Timelines depend on how quickly financials and debtor information reach us. We confirm the expected turnaround on the first call.
Can I use it alongside asset finance?
Yes. Many clients fund equipment through asset finance and working capital through discounting.
05 / Next Step
Send us your debtor book. We will size the facility.
One form, one specialist, a written quote.