Invoice Finance
Unlock cash from your sales ledger — factoring or confidential invoice discounting
Axyon Holdings advances funds against your approved customer invoices so you can pay suppliers, cover payroll, and invest in growth without waiting on debtor payment terms. Choose disclosed factoring, where we collect from your debtors on your behalf, or confidential invoice discounting, where collections stay with your team.
How it works
Two delivery models, one digital experience
Submit invoices through the Axyon client portal, watch them move through verification, and see advances arrive in your nominated bank account — typically the same business day. Live balances, fee accruals, settlements and reserve releases are all visible in real time. You pick the model that matches your brand and operations: factoring if you prefer us to manage debtor collections, or invoice discounting if you want funding to stay behind the scenes.
How we add value
A practical, partner-led approach
Factoring (disclosed)
We advance typically 80–90% of face value on verified invoices, collect from your debtors via secure Stripe payment links, and release the reserve on settlement. Ideal for SMEs who want collections off their plate.
Invoice discounting (confidential)
You continue to invoice and collect under your own brand — your debtors never know we are involved. You remit to us from a designated trust account; we advance and reconcile against your ledger.
Same-day advances
Verified invoices are funded via Stripe Connect directly to your bank. Most clients see funds within minutes of verification, not days.
Live estimator
Before you submit, see exactly how much will be advanced, the reserve held back, service fee, discount accrual projection, and net on settlement.
Secure by design
Every invoice, remittance and settlement is auditable in the portal. Stripe (PCI DSS Level 1) handles payments; Supabase (SOC 2) holds data with row-level security.
Transparent pricing
Flat advance rate, service fee on face value, and an annualised discount charge pro-rated by days outstanding. No set-up surprises, no hidden renewals.
Scales with your ledger
Selective (spot) funding for one-off invoices, or a whole-turnover facility with a committed limit that grows alongside your sales ledger.
Recourse or non-recourse
Choose a recourse facility for the keenest pricing, or add approved-debtor credit protection so we absorb default risk up to agreed limits.
Our approach
From first call to long-term partnership
Underwrite
We review your sales ledger, concentration, debtor quality and collection history, and propose a limit, advance rate and fee structure.
Onboard
Agreement signed, portal access granted, Stripe Connect configured for payouts, and — on factoring — notices of assignment served to your debtors.
Fund
Submit invoices via the portal. We verify and transfer the advance to your bank, typically within hours. Fees and discount charge accrue transparently on each invoice.
Settle
On factoring we collect the debtor payment; on discounting you remit the collected amount to us. We reconcile, release the reserve, and publish a full settlement breakdown.
Outcomes
What working with us looks like
Every engagement is different, but our clients consistently tell us the same things at the end of a successful partnership.
Cash released from the sales ledger within hours, not weeks
Predictable, visible fees with no hidden settlement charges
Either brand-invisible discounting or fully managed factoring collections
A working capital lever that flexes up with turnover, not against it
Receivables-backed funding
Turn your sales ledger into working capital
Whether you want disclosed factoring, confidential invoice discounting, or selective spot funding, our team can size the right facility for your business. Submit an enquiry and the invoice finance desk will respond within two working days.