Invoice Discounting

Invoice Discounting Instant Liquidity Working Capital Cash Flow Solutions Trade Finance SME Financing Invoice Discounting Instant Liquidity Working Capital Cash Flow Solutions Trade Finance SME Financing

Invoice Discounting

Turn Unpaid Invoices into Instant Cash

Invoice Discounting allows businesses to unlock funds tied up in unpaid invoices, improving liquidity without waiting for customers to settle their accounts. This solution is ideal for companies with large receivables who want to maintain smooth operations and strengthen cash flow.

Immediate access to working capital
Retain control of your sales ledger
Flexible financing based on invoice value
Improve cash flow without taking on long-term debt
Transparent and efficient process

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What You Get

Key Features of Our Invoice Discounting

Fast Funding

Access funds within 24 to 48 hours after invoice submission — no long waits or complex approval delays.

Confidential Service

Our invoice discounting is fully confidential. Your clients continue to deal directly with you without knowing.

Up to 90% Advance

Receive up to 90% of your invoice face value upfront. The balance is paid when your customer settles.

Scalable Facility

Your invoice discounting limit grows as your business grows — perfect for scaling companies.

The Process

How Invoice Discounting Works

Submit Your Invoice

You raise an invoice to your client and submit a copy to UNZ along with basic business documents.

Invoice Verified

Our team verifies the invoice details and assesses your debtor's creditworthiness quickly.

Funds Advanced

Up to 90% of the invoice value is transferred to your account within 24–48 hours.

Balance Settled

When your client pays, the remaining balance minus a small service fee is released to you.

Who Can Apply

Eligibility Criteria

Invoice discounting is available to a wide range of businesses. Here's what you typically need to qualify:

Registered Business

Must be a registered company — sole trader, partnership, or limited company with trading history.

B2B Invoices Only

Invoice discounting applies to business-to-business invoices, not consumer sales.

Minimum Invoice Value

A minimum invoice value threshold applies — contact us for exact requirements based on your business.

Good Customer Credit

Your customers (debtors) should have reasonable creditworthiness for the facility to be approved.

Get Started

Ready to Unlock Your Invoice Value?

Contact our trade finance team today and get a customized invoice discounting facility set up for your business quickly and confidentially.

Apply Now Back to Trade Finance