Debtors Funding
Boost your cash flow



Apply

or call us on
01244 389304

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Over 250 funding lines

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Decisions within 48 hours

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Funds within 48 hours of acceptance

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Borrow from £2,000

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3 month to 5 year terms


Debtors Finance


Debtor finance is a type of business loan used to improve the financial health of a company by using its accounts receivable as collateral.

Many companies who are currently experiencing low working capital reserves use debtor loans and finance solutions to fund slow-paying or outstanding invoices, with the aim of improving cash flow and gain access to readily available funds for day to day operation.

We assist companies and borrowers to increase their spending power by obtaining the best funding options and facilities, quickly and efficiently, whilst ensuring your company requirements are fully catered for.

How to apply for debtors finance?



  1. Fill out our application form in less than 5 minutes
  2. Your application will be allocated to your dedicated case manager
  3. Your case manager will be in touch within 4 working hours
  4. They will collect all required documents to process your application
  5. You will receive a decision within 48 hours in most circumstances
  6. You will receive your funds within 48 hours of acceptance in most circumstances

Frequently Asked Questions

What do I need to provide in order to arrange debtors funding?

An up to date debtor’s ledger, 3 months business bank statements and the company’s latest accounts.

What loan term can I have for debtors funding?

We offer loan terms ranging from 3 months to 5 years.

Is there any security taken over the ledger?

No this is an unsecured loan, we can also look to offer an invoice facility dependent on payment terms.

What percentage of the ledger can I finance?

Up to 100%, dependant on company status and affordability criteria. Please contact us for further information.

Can I get debtors finance against debts over 12 months old?

Yes we can finance old debt if it is viable for your business.

The Benefits of Debtors Funding

Debtors finance facilities can be a vital source of funding for companies waiting for invoices to be paid. With many companies reliant on prompt payment of monies owed to ensure efficient operation, late or non-payment of these bills can have a significant impact on an business’s cashflow and operation.

There are many benefits associated with the use of a debtor’s loan, including

RLA Capital can offer specially tailored facilities for debtor funding loans designed to help your company manage its cash flow more effectively.

With a wide range of versatile funding solutions available, we can help source the most suitable funding facility to meet your requirements with access to some of the best facilities on the market we feel we can be competitive against any genuine quote.