Business owner checking financial performance on laptop

RBS Invoice Finance Limited provides invoice financing services for NatWest and Ulster Bank customers, and FacFlow is the online system used to manage those facilities. 

If you've come across RBS invoice finance as an existing customer or you're weighing it up for your business, it helps to know who the company is, what it offers and how FacFlow fits in.

This guide covers each of these areas, along with the questions worth asking any invoice finance provider and some alternatives to consider.

The details in this article come from RBS Invoice Finance Limited and are accurate as of October 2026. Products and terms can change, so it’s worth checking the current terms directly with the provider.

Who is RBS Invoice Finance Limited

RBS Invoice Finance Limited, sometimes shortened to RBS Invoice Finance Ltd, is registered with Companies House, number 662221, with its registered office at 250 Bishopsgate, London.

It was incorporated in 1960 and has traded under several names. Its former names include Credit Factoring Limited, Lombard NatWest Factors Limited and The Royal Bank of Scotland Commercial Services Limited, before it became RBS Invoice Finance Limited in 2006.

It provides invoice financing services to NatWest and Ulster Bank.

What RBS invoice finance offers

RBS Invoice Finance lists two main products on its invoice finance page, Invoice Discounting and Asset Based Lending.

Invoice Discounting lets you release funds tied up in invoices your customers haven't paid yet. Instead of waiting for payment, you can borrow against the value of these invoices.

RBS says you could get "up to 90%" of the invoice value” within 24 hours, available in multiple currencies. To be eligible, your business must have a minimum turnover of £300,000.

It’s worth keeping in mind that 90% is the maximum, so the amount available to your business may be lower.

With invoice discounting, your business still collects payment from your customers in the usual way. This means that you'll need good control of your sales ledger, and your customers continue to deal with you rather than with the invoice discounting provider.

Asset Based Lending lets you borrow against assets your business already owns, such as stock. It's aimed at larger businesses based in the UK, with a minimum turnover of £6.5 million.

RBS says that your debtor book and fixed assets may be required as security, while fees may also apply. It doesn't publish amounts, so you'll need to ask for details of the costs and security that would apply.

What FacFlow is

RBS FacFlow is the online system that existing clients use to manage their facilities. It isn't a separate finance product, and you can't apply for it on its own.

Through FacFlow, clients can access and manage their invoice finance facilities online at any time, view statements and save up to 13 months of statement history. Clients can also set up e-statements and e-letters through the administration menu, and they're alerted when monthly statements are ready.

RBS also provides step-by-step online FacFlow guides to logging in and using the system.

How to get started with RBS invoice finance

RBS's invoice finance page doesn't describe an online application process. Instead, it directs businesses to the RBS Invoice Finance contact page to get in touch, via phone, email or post.

Whether it’s RBS or another invoice finance provider you speak to, there are a few questions worth asking before you commit:

• Fees: What will you pay, including any set-up, service or minimum fees, and how are they calculated?

• Security: Will the provider need security, such as a charge over business assets or a personal guarantee?

• Contract length and notice: How long is the minimum term, and how much notice do you need to give to leave?

• Customer awareness: Will your customers be told that you're using invoice finance?

Terms vary between lenders, so do your own research and compare the full terms before you sign up.

Alternatives to invoice finance

If you'd like to understand the two main forms of invoice finance in more detail, our guide to invoice factoring vs invoice discounting explains how each one works.

Funding Circle does not offer invoice finance. If you're looking for another way to cover a cash flow gap, Funding Circle's options include:

• Working capital loan: A working capital loan provides funds for everyday costs, such as stock, wages and supplier bills.

• Shorter-term loan: A short-term loan with Funding Circle offers 6 or 12-month terms to bridge a cash flow gap, with no upfront fee if you apply directly.

• FlexiPay: Flexipay is a revolving line of credit of up to £250,000 designed for UK SMEs with at least one year of trading history, which you can pay back in instalments over 1 to 12 months.

Each option works differently, so what's right depends on your business and what you need the funding for.

Access flexible finance with Funding Circle

If your business needs funding to manage cash flow but you don't want to borrow against your invoices, a Funding Circle business loan gives you a lump sum to use for everyday costs or growth.

With a Funding Circle business loan, you can:

• Borrow from £10,000 to £750,000

• Get a fixed rate, so your repayments stay the same

• Settle early with no additional fees

• Apply as a limited company without affecting your credit score

Funding Circle lends to limited companies and LLPs that have been trading for one year or longer. Check your eligibility online to see whether you could qualify.

A personal guarantee will be required if you're approved for a Funding Circle business loan. This means you could be personally responsible for repaying the debt if the business is unable to, so consider taking independent legal advice before you agree. Rates start from 6.9%, calculated based on a number of factors, including your credit score and financials for business lending

RBS Invoice Finance FAQs

What is RBS Invoice Finance Limited?

RBS Invoice Finance Limited is the company that provides invoice financing services for NatWest and Ulster Bank customers. It's registered at Companies House under company number 662221, with its registered office at 250 Bishopsgate, London.

What is FacFlow?

FacFlow is the online system RBS Invoice Finance clients use to manage their facilities.Clients can use it to view statements, save up to 13 months of statement history and set up e-statements.

Can I apply for FacFlow?

No. FacFlow isn't a separate product, so you can't apply for it on its own. It's available to existing RBS Invoice Finance clients to manage their facilities. To ask about invoice finance, you can contact RBS Invoice Finance directly.

What is the minimum turnover for RBS invoice discounting?

RBS says your business must have a minimum turnover of £300,000 for invoice discounting. Asset based lending has a higher minimum turnover of £6.5 million. Check the current criteria with the provider, as these can change.

Does Funding Circle offer invoice finance?

No, Funding Circle doesn't offer invoice finance. If you're looking for a way to bridge a cash flow gap, Funding Circle offers working capital loans, shorter-term loans and FlexiPay.

Disclaimer

17/11/26 – While we want to help as much as we can, the information found here is provided solely for informational purposes and should not be considered financial or legal advice. To the extent permitted by law, Funding Circle does not accept any liability for any loss or damage which may arise directly or indirectly from the use of, or reliance on, the information contained here. If you have any questions, please speak to your professional adviser or seek independent legal advice.