What is the difference between Factoring and Invoice Discounting?

The main difference between Invoice Factoring and Invoice Discounting is that with Invoice Factoring the lenders involvement is disclosed (unless you opt for a Confidential facility) to your customers and the Factoring company also undertakes credit management on your behalf.

With Invoice Discounting, the service is usually confidential and you are responsible for your own credit management.

Both facilities provide immediate and ongoing cash equivalent to around 90% of the value of your Invoice and Bad Debt protection can be added to both facilities. 



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