Lendus.

Invoice Finance for Print & Packaging Companies

Cover paper, ink, and press costs upfront — release cash from client invoices within 24 hours rather than waiting 60 days for brands and agencies to pay.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Rates

0.75% – 2.5%

of invoice value

Advance

Up to 85%

of invoice value

Facility Size

£20k – £5m

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Why print & packaging businesses use invoice finance

Print and packaging businesses face a familiar and acute cash flow challenge: materials — paper, board, inks, laminates, and specialist substrates — must be purchased and often paid for on short terms, while the finished work is invoiced to clients on 30 to 60-day terms. Brand clients and advertising agencies are often among the slowest payers in any sector, with accounts payable processes that routinely stretch beyond agreed terms. For printers managing press capacity and material costs, waiting on client payment is not simply inconvenient — it can determine whether a business can accept the next job or purchase materials for an upcoming run. Invoice finance unlocks up to 85% of the value of print and packaging invoices as soon as work is completed and invoiced, giving businesses the liquidity to keep presses running and materials supplied.

Finance types available

Invoice Factoring

Rate
0.75% - 2.0%
Advance
Up to 80%
Control
Factor collects from your clients

Best for: Independent printers and packaging suppliers working with multiple brand or agency clients who want collections managed alongside funding

Invoice Discounting

Rate
0.85% - 2.5%
Advance
Up to 85%
Control
You maintain client relationships

Best for: Larger print groups with established credit control teams who want confidential, high-volume funding against a diverse client base

Selective Invoice Finance

Rate
1.0% - 3.0%
Advance
Up to 80%
Control
Choose which invoices to finance

Best for: Specialist printers with a handful of major brand or retail accounts whose invoices are large and slow to settle

Common challenges

Eligibility

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Market context

The UK print industry generates approximately £13.5 billion in annual revenue, with packaging representing the largest single segment. BPIF (British Printing Industries Federation) surveys consistently highlight cash flow and late payment as top operational concerns, with average debtor days across the sector running at 52 days against typical agreed terms of 30 days. Invoice finance is used by a significant proportion of mid-sized printers as a core component of working capital management.

Frequently asked questions

Can I use invoice finance to fund paper and materials purchasing?
Invoice finance releases cash from your sales invoices once work is delivered. The cash is unrestricted, so you can use it to pay material suppliers, fund press maintenance, or cover any other business cost. Some lenders also offer stock finance or trade finance alongside invoice finance if you need to fund the purchase of materials before production begins.
Our biggest clients are advertising agencies who are notoriously slow to pay — will they be accepted as debtors?
Advertising agencies are accepted as debtors by most invoice finance providers, though the provider will run a credit check on them. Well-established agencies and agency networks are generally acceptable debtors. If an agency is small or has a weak credit profile, the provider may offer a lower advance rate against their invoices or decline to fund that debtor.
We print for both B2B clients and retailers — does that affect eligibility?
Invoice finance works on B2B invoices. If you are selling directly to consumers or through consumer-facing retail transactions, those sales would not be eligible. B2B trade printing — selling to brands, retailers, agencies, or other businesses — is eligible, provided invoices are raised to the business rather than individual consumers.
Can invoice finance help us take on a large retail packaging contract?
Yes — winning a major retail packaging contract is one of the most common triggers for print businesses to seek invoice finance. Large contracts mean large upfront material costs and often extended payment terms from the retailer. A properly structured facility will grow with the contract, giving you confidence to fulfil orders without being constrained by cash.
What if a client rejects a print run due to a quality issue?
If a client disputes an invoice and refuses to pay due to a quality dispute, you would be liable to repay the advance under a recourse facility. This underlines the importance of sign-off processes — getting client approval of proofs before printing, and delivery notes signed on acceptance. Providers experienced in the print sector are familiar with these quality dispute dynamics.

Related industries

Manufacturing

Guides and resources

What Is Invoice Discounting? Factoring vs Discounting Invoice Finance vs Business Loan Best Factoring Companies

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