£100k headroom
- Eligible funding
- £1.275m before the cap
- Reserves + drawings
- £900k
INVOICE FINANCE FACILITY INCREASEA larger invoice facility.
A larger invoice facility.
More usable funding?
If sales are growing faster than available cash, establish what is holding the facility back before requesting a higher limit. The useful increase is the extra funding the business can draw.
Explore a facility increase
SUBSTANTIAL FUNDING / ESTABLISHED COMPANIES
THE COMMERCIAL STARTING POINT
An invoice-finance facility increase changes an existing funding limit or supporting terms. It helps only where the revised structure can release cash against an eligible debtor book. Our main focus is £500k+ facilities, including substantial increases as a business grows.
Invoice finance £500k+ · Asset finance £250k+ · Business loans £200k+. Focus amounts, not fixed eligibility thresholds.
01 / THE COMMERCIAL DETAIL
Find the constraint before choosing the solution
- 01
Ledger
Start with the same-date debtor book.
- 02
Eligibility
Remove excluded or disputed debt.
- 03
Restrictions
Apply advance, customer caps and reserves.
- 04
Headroom
Deduct current drawings from available funding.
A facility can stop supporting growth for several different reasons. The contractual limit may be too low, one customer may dominate sales, or disputes and aged debts may be reducing eligible receivables. Those problems need different conversations.
Begin with a recent availability statement and the same-date aged ledger. Reconcile the limit, gross eligible advance, reserves and drawings. Then forecast what changes as new orders become invoices, rather than treating the order book as immediately financeable debt.
02 / THE COMMERCIAL DETAIL
Amend the incumbent or investigate a replacement?
An incumbent may be able to increase the cap, reconsider a customer limit or adjust reporting after reviewing current information. That can preserve operational continuity. If its appetite or concentration limits remain restrictive, a different provider or structure may deserve consideration.
A proposed increase must be assessed alongside fees, minimum usage, guarantees and notice provisions. More capacity with a higher minimum charge may make sense for sustained growth but prove expensive if the additional turnover never arrives.
03 / THE COMMERCIAL DETAIL
Build the case around the next trading cycle
Explain why the requirement is increasing: a new customer, a larger contract, seasonal stock or a structural rise in payroll. Separate confirmed trading from projections. A forecast should show invoicing dates, collection periods and the cash needed before invoices can be submitted.
New business can increase concentration risk even when the customer is strong. Establish the proposed customer cap, credit limit, export treatment and any additional verification. A higher overall limit does not automatically override those restrictions.
HYPOTHETICAL EXAMPLE / NOT A CLIENT CASE
A £400k limit increase does not release £400k
£375k headroom
- Eligible funding
- Still £1.275m
- Extra usable cash
- £275k, not £400k
Hypothetical illustration only. Not a client case, quote, lender policy or funding commitment.
A hypothetical company has a £1m limit, £1.8m ledger and £300k ineligible debt. At an assumed 85% advance, eligible funding is £1.275m. With £75k reserves and £825k already drawn, current headroom is £100k. Increasing the limit to £1.4m lifts headroom to £375k: an extra £275k, before any change in fees, eligibility or reserves.
Illustrative assumptions only. Not a quote, provider policy or funding commitment.COSTS, SECURITY & PRACTICAL CONSTRAINTSKnow the cash.
Know the cash.
Know the commitment.
Check amendment or arrangement fees, service-fee minimums, the discount margin and any revised term. Ask whether the increase changes a debenture, guarantee, indemnity or existing lender consent. Model additional drawings at the actual charging basis.
Understand facility fees and costs ↗For the next stage of assessment
- Current agreement, facility limit and recent availability statement
- Aged ledger with exclusions, credit notes and customer concentrations
- Accounts, management figures and cash-flow forecast
- New trading evidence and the date additional cash is needed
The brief enquiry does not require these documents. Agree the purpose, permissions and appropriate sharing route first.
BEFORE YOU PROCEEDThe questions
The questions
worth settling.
Can we increase the facility without switching?
Possibly. Start with the incumbent where an amendment could resolve the actual constraint. Replacement funding should be considered against the costs and work of moving.
Does a new order qualify for invoice finance?
An order is not an eligible invoice. The provider needs to accept the underlying trade, invoice and debtor; pre-invoice costs may need separate funding.
Will a higher limit solve a concentration cap?
Not necessarily. A customer-specific limit can restrict funding independently of the overall facility cap. It needs its own assessment.
PRODUCT CONTEXT / FURTHER READINGBritish Business Bank: invoice finance ↗Ultimate Finance: invoice finance ↗
These external sources explain product features. They do not establish an NBS agreement, current lender appetite or terms available to your business. Content reviewed 24 October 2026.
A CLEAR BRIEF IS THE STARTA substantial requirement.
A substantial requirement.
A useful conversation.
Explore a facility increase
Start with a brief enquiry.
No financial documents needed to begin.