Invoice Finance

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Invoice Finance is asset that provides you with cash upfront

What is Invoice Finance?

Invoice Finance is an asset – based debtor finance product, that provides an upfront release of cash tied up in trade debts.

Invoice finance helps protect your customer relationship.

Access up to 85% of invoiced debt.

Our Invoice Finance service, provided by AIB Commercial Finance Limited, may be the answer to your working capital needs. Get immediate access of up to 85% of invoiced debt without affecting your customer relationship.

Use Invoice Finance to convert your sales into cash.

Hear what our client has to say.

Rita Shah, Managing Director of Shabra Plastics, highlights the benefits of our Invoice Finance product and describes how it continues to support Shabra’s working capital requirements on a day-to-day basis.

Use Invoice Finance to convert your sales into cash.

Convert sales into cash.

Release more funds than conventional sources of finance and grow your availability of finance in line with the growth in sales. Expand your business and increase profits without the need to increase levels of capital investment.

Improve your relationships with your suppliers and customers

Improve your B2B relationships.

Pay suppliers promptly and take advantage of cash and bulk discounts. Your relationship with your customers is unaffected, as all credit control remains your responsibility. The Invoice Finance arrangement is fully confidential.

Invoice finance offers a different approach to finance

A different approach.

Our Invoice Finance is of particular advantage to businesses who are light on conventional security and whose assets primarily comprise of debtors.

Drop into a branch today and see if you are suitable

Is your business suitable?

  • Does your business have an average on-going funding requirement of €150,000 or more?
  • Do you sell goods or services on credit to other businesses?
  • Does your business have an ongoing trade debtor’s ledger of minimum €250,000?
  • Do you invoice after goods/services are delivered/performed?
  • Do you have a satisfactory quality and spread of debtors?
  • Do you have a sales ledger accounting system and appropriate credit control procedures?
  • Does your business have a positive tangible net worth?
Not all debts are suitable for invoice finance

Examples of unsuitable debts.

  • Debts which are regarded as cash sales.
  • Sales to individuals.
  • Sales of goods or services, which are invoiced on a phased or contractual basis.
  • Invoicing in advance of delivery of goods or services.
  • Export debts may not be suitable if they relate to territories outside of the Organisation for Economic Co-operation and Development (OECD).
See what invoice finance could cost you

How much does it cost?

A Discount Charge (similar to an interest rate) is levied only on funds used by the customer and charged monthly.

A Service Fee (related to the on-going management of the facility) is typically charged on an annual fixed fee basis and is billed at the end of each month.



Exporting can help your business expand and grow. We have a range of supports and finance options available to help you  maximise your potential and trade successfully overseas.

Export credit insurance made simple

Credit insurance made simple

Whether your business is exporting or trading domestically, it is important to protect your business against the risk of non-payment by your overseas customers. 

Credit insurance can help you mitigate and protect your business against the risk of non-payment. There are a number of insurance providers so you may want to seek independent advice to ensure that the insurance meets your needs.

Euler Hermes provides trade related insurance solutions, including "Simplicity" which is an off-the-shelf credit insurance policy that protects against bad debt. To find out more, call Euler Hermes on 01 518 7910 or visit their website

AIB is not an agent or intermediary of Euler Hermes.


How Invoice Finance works:

Easy to operate:

Simply invoice your debtors as normal Electronically notify AIB of the invoices using our online system on a daily, weekly or an agreed basis When you collect the payments from debtors, simply lodge them with AIB

Customer Example:

  > Amount €000's
Total Debtors  1,000
Less: Disapproved Debts *  (100)
Approved Debts  900
Available funds @ 85% of Approved Debts  765
* Disapproved debts can include aged debts beyond a specified time limit, inter-company debts, disputed debts, contra balances where you are selling to your suppliers and cash sales.

See what funds are potentially available to your business with our Invoice Finance Tool.

This tool, based on an 85% prepayment rate, will give you an indication of the funds that are potentially available to your business through Invoice Discounting.

Note: This information is provided for illustrative purposes only and is based on the accuracy of information provided. It does not constitute a contract. We are not recording and will not use the information quoted by you in our calculators unless it is being used as part of a product application.

Facility criteria terms and conditions apply

Please note that the provision of this product or service does not require licensing, authorisation or registration with the Central Bank of Ireland and, as a result, it is not covered by the Central Bank's requirements designed to protect consumers or by a statutory compensation scheme.

AIB Commercial Finance Ltd. is a member of ABFA (Asset Based Finance Association) and is committed to operating in accordance with the ABFA Code, Professional Standards & Complaints. This code is available at