European Invoice Finance

A prime example of this need is in the rental fleets industry, particularly for forklifts and ground support equipment (GSE), where UK suppliers lease assets to European logistics, warehousing, and aviation sectors under long-term contracts but face delayed payments.

An European Invoice finance solution can help overcome cashflow pain points and gives long term security, crucial for expansion and  contract continuity.

With access to over forty European and UK banking institutions, we have the capability in funding your perfect European invoice finance solution.

Financial challenges facing UK exporters.

Extended Payment Terms in European Markets.

• Many European buyers, especially in capital-intensive industries, negotiate extended payment cycles of 60 to 120+ days.
• UK exporters supplying rental fleets (e.g., forklifts for warehouses or GSE for airports) often deliver equipment upfront while waiting months for lease payments.
• Invoice finance bridges this gap by unlocking capital tied up in unpaid invoices, ensuring ongoing operations
• Minimum lend £250k – maximum is £90m
• We can fund book debts in GBP, EUR or USD.

Post-Brexit Trade Complexity and VAT Implications

• Exporting forklifts or GSE rental fleets post-Brexit involves navigating new VAT regimes, duty payments, and compliance regulations.
• Many rental contracts in Europe require UK exporters to register for VAT in multiple jurisdictions, adding to cash flow constraints.
• Invoice finance provides liquidity while companies reclaim VAT or adjust to new tax structures.

Credit Risk from European Buyers

• UK suppliers renting out forklifts or GSE to European customers often deal with airports, logistics hubs, and industrial clients with varying credit profiles.
• Assessing financial health across different European markets can be difficult, increasing the risk of late or non-payments.
• Many invoice finance providers include debtor insurance, protecting against defaults.

Limited Access to UK-Based Finance Solutions for EU Sales

• Many UK lenders prefer financing invoices tied to domestic transactions.
• A simple search engine search will find myriads of invoice finance funders willing to help, but go strangely silent when you mention Europe or OECD invoices.
• European invoice finance enables rental fleet providers to secure funding within the jurisdiction of their European customers, improving accessibility.

What are the benefits of European invoice finance for UK companies?

Improved Cash Flow and Liquidity  

• Immediate access to up to 90% of invoice value upon approval.
• Whatever your invoice, we will consider, be it equipment or services
• Enables forklift and GSE rental providers to invest in fleet expansion while awaiting payments from long-term European contracts.      

Risk Mitigation with Credit Insurance

• Protection against non-payment from European and OECD buyers.
• Reduces exposure to financial instability within the logistics and aviation sectors.

 Strengthening Export Competitiveness

• Allows UK firms to offer attractive leasing terms without financial strain. As the leading European equipment finance broker, with over thirty three years experience, we can fund arrange leading into Europe from  €5000 to €90,000,000 .
• Together, that will give you an unbeatable edge.

Scalability for Growing Exporters

• As rental demand increases, invoice finance scales accordingly, providing continuous access to working capital.
• Especially useful for UK suppliers expanding their rental fleet programmes into European distribution centres or GSE rental agreements with airports.

Compliance with Local Financial Regulations

• Many European finance providers understand cross-border compliance, VAT reclaim complexities, and legal frameworks.
• Helps UK firms stay compliant while maximising efficiency.