This profile summarises published product information from NatWest and sets out questions for a quotation. It is based on public information rather than hands-on testing or customer-service research. Inclusion does not imply a partnership or recommendation.
Published product features
NatWest describes invoice discounting that can release up to 90% of invoice value within 24 hours. Its wider invoice-finance page states a minimum turnover of £300,000 and the need for robust ledger control.
“Up to” figures describe a product maximum. The percentage and amount available to your business depend on approval, eligible debts, limits, reserves and the agreed conditions. The initial setup process may take longer than a published routine funding time.
Product details to confirm
The published advance and timing are conditional product descriptions, rather than an approval or guarantee of cash for a new application. Clarify the setup timetable separately from availability once the facility is running.
Costs and eligibility
Request a written quotation covering the discount rate, service-fee base, minimum charges, setup and legal costs, any protection premium, review provisions and termination fees. Confirm the criteria directly because published product information can change.
Compare that quote using the same expected sales, average drawings, collection days and contract term as the other proposals you receive. Ask for a worked opening cash-availability statement based on your own aged ledger.
Questions to ask
- Does our turnover and debtor profile fit the current criteria?
- What customer concentration limits and ageing rules apply?
- What is the expected setup timetable and first cash release?
- What is the full fee schedule, minimum term and exit process?
When to look at alternatives
If the provider does not accept a large part of your ledger, compare other structures rather than focusing only on its headline rate. Selective finance may address occasional needs; factoring may add a collections service; other working-capital products may be relevant before invoices exist.
How to use this profile
Use the official product link below to check current features and contact the provider. Confirm the terms offered to your business in writing before making a decision.
Sources and verification
Published material checked on 24 October 2026. Provider terms can change; confirm them before applying. Examples and comparison methods are our own illustrations.
