Invoice finance for Jersey and Guernsey businesses.
Waiting 30, 60, or 90 days for clients to pay invoices can cripple even a profitable business. Invoice discounting and factoring advance you up to 90% of the invoice value as soon as you raise it, so you have funds to pay staff, suppliers, and overheads without waiting. We connect Jersey and Guernsey businesses with invoice finance providers suited to their sector and invoice volume.
- Access up to 90% of your invoice value within 24 hours of raising the invoice
- End the stress of waiting for slow-paying clients to settle their bills
- Facility grows with your business — the more you invoice, the more you can draw
- Confidential invoice discounting means your clients may not know you are using it
- Factoring includes credit control and collections as part of the service
- Available to businesses in construction, recruitment, manufacturing, and professional services
Quick facts
No obligation. Soft credit check only.
How it works
Share your invoice volume and debtor profile
Tell us your monthly invoice value, typical payment terms, and client types. No credit check at this stage.
We find your invoice finance provider
We compare invoice discounting and factoring providers suited to your invoice value and sector, including those active in Channel Islands markets.
Raise an invoice, receive your advance
Once set up, you receive up to 90% of each invoice value within 24 hours. The remainder (less a fee) is paid when your client settles.
Who can apply?
- Business registered or trading in Jersey or Guernsey
- Invoicing business-to-business clients (not direct consumers)
- Minimum monthly invoice value of around £20,000 for most providers
- Invoices must be for goods delivered or services completed
- No current insolvency proceedings or administration
- Businesses with 30 to 90 day payment terms benefit most
Not sure if you qualify? Request a call back — we will tell you honestly what your options are before you apply.
Ready to get started?
Two ways to begin — choose whichever suits you best.
Soft credit check only
No obligation
Decision within 48 hours
Common questions
With invoice discounting, you retain control of your sales ledger and credit control. With factoring, the provider takes over collections on your behalf. Discounting is typically confidential.
With confidential invoice discounting, your clients pay you as normal and are not aware of the arrangement. With factoring, your clients are notified and pay the factoring company directly.
Costs include a service fee (typically 0.5 to 2% of turnover) and a discount charge (interest on funds drawn). We will give you a clear cost comparison before you commit to any provider.
Single-invoice finance (also called spot factoring) is available. You select specific invoices to advance rather than your entire ledger. This can be useful for one-off large contracts.
Yes, though construction invoice finance has specific terms around retention clauses and applications for payment. We will match you with a lender experienced in construction sector lending.
Ready to take the next step?
Complete a full application online or request a call back and we will do the searching for you.
No obligation. Soft credit check only.
Secure application
Apply Online
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Free, no-obligation
Request a Call Back
Leave your details and a member of our team will call you back within one business day. No obligation, no credit check.
Almost done — press Send
We've opened an email in your mail app with your details. Just press Send to complete your request, and a member of our team will call you back within one business day.
Something went wrong. Please try again or email us at info@nowagogo.com.