{"id":3068,"date":"2017-04-12T10:03:51","date_gmt":"2017-04-12T10:03:51","guid":{"rendered":"http:\/\/blog.novicap.com\/blog\/?p=3068"},"modified":"2022-01-31T09:35:24","modified_gmt":"2022-01-31T08:35:24","slug":"what-is-invoice-discounting","status":"publish","type":"post","link":"https:\/\/novicap.com\/en\/blog\/what-is-invoice-discounting\/","title":{"rendered":"Invoice Discounting &#8211; The Basics"},"content":{"rendered":"<p>Did you know the word \u201cinvoice\u201d originates from the French word \u201cenvoyer\u201d which means \u201cto send\u201d? The idea of keeping track of goods and services delivered has been around for nearly 5,000 years and today businesses worldwide send around half a trillion of invoices a year.<\/p>\n<p>Nowadays invoices can be more than just a document to demand payment though, they can become a financial instrument through invoice discounting.<\/p>\n<p>In the following we\u2019ll explain you everything you need to know about the most common forms of invoices and how discounting them can help with your cash flow and overall finances.<\/p>\n<h2>Invoices &#8211; The Basics<\/h2>\n<p>In a transaction where both parties are registered for VAT, the vendor is required to issue an invoice to their customer.<br \/>\nThe invoice has to include<\/p>\n<ul>\n<li>The invoice identification number<\/li>\n<li>Your company name and address<\/li>\n<li>Your client\u2019s company name and address<\/li>\n<li>The supply date (when the goods or services were delivered)<\/li>\n<li>The issue date of the invoice<\/li>\n<li>A description of what you are charging your customer for and the amount you are charging<\/li>\n<li>The VAT associated with the transaction if applicable<\/li>\n<li>The total amount owed.<\/li>\n<\/ul>\n<p>The invoice described above is a standard invoice, typically used for standard transactions in industries such as retail, wholesale and agriculture.<br \/>\nHowever, there are other forms of invoices used for different kinds of products and services.<br \/>\nThe most common ones are:<\/p>\n<ul>\n<li><strong>Commercial Invoices &#8211;<\/strong> designed for foreign trade and customs declarations when the product is crossing international borders. Additional to the features of a standard invoice, they include the carrier identification number and country of origin. They need to be signed, too.<\/li>\n<li><strong>Progress Invoices &#8211;<\/strong> used for expensive works that stretch over a long period of time, for example construction projects. Contractors send progress invoices to report the progress made and the payment due. Employee and other work costs have to be covered by the contractor during the project so invoicing at the end of the project is not feasible as costs are incurred long before the end of the project.<\/li>\n<li><strong>Timesheets &#8211;<\/strong> useful for professionals whose payments are based on the time the service is provided for, such as lawyers and psychotherapists. \u2018Time\u2019 replaces \u2018product\u2019 in these invoices which are also often used for rentals of cars, cranes and the like.<\/li>\n<li><strong>Utility Invoices &#8211;<\/strong> differ from other invoices as they mention a due date, the billing period and usually the previous amount paid or due.<\/li>\n<li><strong>Recurring Invoices &#8211;<\/strong> state a fixed rate and are delivered at the end of each month. Often used for house rents or large tool rentals over longer periods of time.<\/li>\n<li><strong>Pending Invoices &#8211;<\/strong> used for incomplete payments, for example if the original invoice stated \u00a31000 and a payment of \u00a3600 was made, then the pending invoice would state the \u00a3400 that are still due.<\/li>\n<\/ul>\n<p>Find out more about the different forms of invoices <a href=\"https:\/\/www.invoicera.com\/blog\/the-nine-different-kinds-of-business-invoice\/\" target=\"_blank\" rel=\"noopener noreferrer\">here<\/a>.<br \/>\nIt should be noted that no matter its form, an invoice is not a receipt. A receipt is an acknowledgement of payment whereas an invoice states an amount owed to the drawer.<\/p>\n<h1>What is invoice discounting?<\/h1>\n<p>Invoice discounting is a service offered by banks or financing firms that allows the drawer of an invoice to receive their funds before the invoice\u2019s due date. Sometimes the service also includes the collection of the receivables discounted.<\/p>\n<p><strong>Invoice discounting aims to help with liquidity and cash flow problems.<\/strong><\/p>\n<p>The finance provider advances up to 90% of the invoice face value to the creditor once the invoice is issued. When the invoice gets paid into the finance providers account after the payment terms have passed, the creditor receives the remaining value of the invoice minus any fees and interest.<\/p>\n<p>The service solves liquidity troubles by giving the invoice itself a value before the collection date. It ensures the drawer fast access to the cash tied up in the invoice and eliminates the possibility of late payments.<\/p>\n<p>Invoice discounting is especially interesting to small and medium enterprises (SMEs) due to their frequent cash problems and difficulties to access other forms of short term finance.<\/p>\n<p>There are two options when it comes to invoice discounting: <strong>Discounting with or without recourse<\/strong>:<\/p>\n<p><strong>Discounting with recourse<\/strong><br \/>\nIn this case the issuer of the invoice remains liable for defaulted debts. When an invoice remains unpaid and it becomes impossible to collect payment, the issuer of the invoice will have to refund the cash that was advanced for the invoice.<br \/>\nIt is usually cheaper to choose this option as the finance provider is not taking on the risk of default.<\/p>\n<p><strong>Discounting without recourse<\/strong><br \/>\nIn an agreement without recourse, the finance provider is accepting full liability for any non-payment of debt. The risk taken on is reflected in higher prices and lower advance rates.<\/p>\n<h2>4 Reasons to start discounting your invoices<\/h2>\n<ol>\n<li>Flexibility &#8211; Chose the invoices you want to discount and discount them whenever suits you<\/li>\n<li>Speed &#8211; Receive cash quickly to solve your short term cash flow needs<\/li>\n<li>No debt added &#8211; The amount of debt within your company remains the same with this form of finance. Interest and fees are simply accounted for under expenses.<\/li>\n<li>No late payment worries &#8211; Receiving cash when the invoice is issued rather than when it is paid takes away the uncertainty of payment dates. You receive the majority of your income when the invoice is issued so a late payment of your client has no or only a very small impact on you.<\/li>\n<\/ol>\n<p>Invoice discounting is basically a simple, trouble-free way to <a href=\"\/\/novicap.com\/blog\/en\/10-tips-for-better-cash-flow\/\" target=\"_blank\" rel=\"noopener noreferrer\">improve cash flow<\/a> without taking on additional debt.<\/p>\n<p>Sounds good? So who should you be discounting with? Traditional banks or alternative finance providers? We tell you the most important differences between the two so you can make smart comparisons and find the finance that suits your needs best!<\/p>\n<h2>Who to trust: Banks or Alternative Finance?<\/h2>\n<p>Alternative finance entities are usually much faster than banks in carrying out processes, especially fintech (\u201cfinancial technology\u201d) firms as technology allows them to automate processes to increase speed.<br \/>\nFurthermore, many non-bank invoice discounting providers are specialised in the field with a focus on agility and personalisation.<\/p>\n<p>Alternative finance providers generally focus on your clients\u2019 creditworthiness rather than your own whereas banks only look at your credit rating. So if you are an SME supplying to large, reliable companies, alternative finance will make you a more cost effective offer since it takes into account how stable your debtors are.<br \/>\nMoreover, banks always require collateral, debentures or personal guarantees whereas alternative finance providers do not.<\/p>\n<p>On the other hand, receiving finance from banks does have advantages, too. As the large entities that they are, they are able to offer many complementary services and they accept a larger range of firms taking on more risk. For larger firms, their offers are often more suitable than alternative finance options.<\/p>\n<p>However, for smaller firms they are often rather expensive and impose complicated fee structures involving four or more fees, some of which remain hidden. Alternative finance providers are normally more transparent in their fee structures and only apply one interest rate and one operations fee to keep things simple for their clients.<\/p>\n<p>Do you have any questions about the process of invoice discounting or do you already have invoices you would like to discount? Get in touch with us at Novicap and one of our advisors will explain everything you need to know answering all questions you may have. Give us a call!<br \/>\nAnd if you found this article useful, feel free to share it on Twitter, LinkedIn or Facebook to help others!<\/p>\n<img src=\"https:\/\/novicap.com\/assets\/uploads\/2017\/04\/accounting-aerial-businesswoman-1043506.jpg\" class=\"ss-hidden-pin-image\" alt=\"\" data-pin-url=\"https:\/\/novicap.com\/en\/blog\/what-is-invoice-discounting\/\" data-pin-media=\"https:\/\/novicap.com\/assets\/uploads\/2017\/04\/accounting-aerial-businesswoman-1043506.jpg\" data-pin-description=\"Invoice Discounting &#8211; The Basics\"\/>","protected":false},"excerpt":{"rendered":"<p>Did you know the word \u201cinvoice\u201d originates from the French [&hellip;]<\/p>\n<img src=\"https:\/\/novicap.com\/assets\/uploads\/2017\/04\/accounting-aerial-businesswoman-1043506.jpg\" class=\"ss-hidden-pin-image\" alt=\"\" data-pin-url=\"https:\/\/novicap.com\/en\/blog\/what-is-invoice-discounting\/\" data-pin-media=\"https:\/\/novicap.com\/assets\/uploads\/2017\/04\/accounting-aerial-businesswoman-1043506.jpg\" data-pin-description=\"Invoice Discounting &#8211; The Basics\"\/>","protected":false},"author":6,"featured_media":7641,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[89,105],"tags":[],"class_list":["post-3068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-grow-your-business","category-financing"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Invoice Discounting - The Basics | Novicap<\/title>\n<meta name=\"description\" content=\"What is Invoice Discounting? 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It is an attractive alternative to traditional short-term finance, especially for SMEs aiming to improve cash flow.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/novicap.com\/en\/blog\/what-is-invoice-discounting\/\" \/>\n<meta property=\"og:site_name\" content=\"Novicap\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/novicapfinance\/\" \/>\n<meta property=\"article:published_time\" content=\"2017-04-12T10:03:51+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-01-31T08:35:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/novicap.com\/assets\/uploads\/2017\/04\/accounting-aerial-businesswoman-1043506.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Sara Mohn\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@novicap\" \/>\n<meta name=\"twitter:site\" content=\"@novicap\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Sara Mohn\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/novicap.com\/en\/blog\/what-is-invoice-discounting\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/novicap.com\/en\/blog\/what-is-invoice-discounting\/\"},\"author\":{\"name\":\"Sara Mohn\",\"@id\":\"https:\/\/novicap.com\/en\/#\/schema\/person\/d87f47d548a92adaa4d0c80b6e2d222f\"},\"headline\":\"Invoice Discounting &#8211; The Basics\",\"datePublished\":\"2017-04-12T10:03:51+00:00\",\"dateModified\":\"2022-01-31T08:35:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/novicap.com\/en\/blog\/what-is-invoice-discounting\/\"},\"wordCount\":1261,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/novicap.com\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/novicap.com\/en\/blog\/what-is-invoice-discounting\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/novicap.com\/assets\/uploads\/2017\/04\/accounting-aerial-businesswoman-1043506.jpg\",\"articleSection\":[\"Grow your Business\",\"Financing\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/novicap.com\/en\/blog\/what-is-invoice-discounting\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/novicap.com\/en\/blog\/what-is-invoice-discounting\/\",\"url\":\"https:\/\/novicap.com\/en\/blog\/what-is-invoice-discounting\/\",\"name\":\"Invoice Discounting - The Basics | Novicap\",\"isPartOf\":{\"@id\":\"https:\/\/novicap.com\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/novicap.com\/en\/blog\/what-is-invoice-discounting\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/novicap.com\/en\/blog\/what-is-invoice-discounting\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/novicap.com\/assets\/uploads\/2017\/04\/accounting-aerial-businesswoman-1043506.jpg\",\"datePublished\":\"2017-04-12T10:03:51+00:00\",\"dateModified\":\"2022-01-31T08:35:24+00:00\",\"description\":\"What is Invoice Discounting? 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